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BDI
PT

Peoples Trust Company of St. Albans

Saint Albans, VermontFDIC Cert #14168

STATEEstablished 18665 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$32.2M
Investor CRE$34.5M
Multifamily$30.4M
Construction$8.39M
1–4 family$125M
C&I$11.2M
Agriculture$21.7M
Other$25.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$289M
+5.9%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$285M
+5.9%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+5.92%
−36.2%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
85.3%
+4.8%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
75.1%
+4.4%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
93.81%
+1.9%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
150%
−11.7%y/y
Percentile by value41st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
17%
−59.7%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,379points
+15.6%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
11.12%
−3.2%y/y
Percentile by value42nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
11.93%
−22.6%y/y
Percentile by value43rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
3.86%
−13.2%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR