Four fees from its schedule are published so far: monthly maintenance $5 to $6, overdraft $25 and 2 more.
Source: its fee schedule, read Nov 1, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
79th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 1, 2026
Call-report figures are for Peoples Trust Company of St. Albans at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Peoples Trust Company of St. Albans's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (79th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $175K in Q2 2026, 8.7% above the same quarter a year earlier ($161K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
1 of 2 compared published fees sit above the Vermont median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Vermont medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5.50, the middle of its prices
Overdraft (OD)
Non-Network ATM
Fee not identified in the reviewed schedule.
Each amount links to the fee schedule it was read from. Medians for Vermont, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Peoples Trust Company of St. Albans (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $175K | +$5K | +2.9% |
| Q1 2026 | $170K | −$3K | −1.7% |
| Q4 2025 | $173K | −$4K | −2.3% |
| Q3 2025 | $177K | +$16K | +9.9% |
| Q2 2025 | $161K | +$3K | +1.9% |
| Q1 2025 | $158K | −$13K | −7.6% |
| Q4 2024 | $171K | −$5K | −2.8% |
| Q3 2024 | $176K | +$2K | +1.1% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Peoples Trust Company of St. Albans left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Peoples Trust Company of St. Albans by share.
Amounts from Peoples Trust Company of St. Albans’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Paid Item Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| International Service Assessment | 1%of the transaction | Not stated | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Peoples Trust Company of St. Albans operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $348.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $348.8M |
Burlington-South Burlington, VT
4.2% of bank deposits, #7 of 15, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 28.8% |
| TD Bank, National Association | 26% |
| KeyBank National Association | 10.5% |
| Community Bank, National Association | 8.7% |
| Citizens Bank, National Association | 5.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Burlington-South Burlington, VT, Peoples Trust Company of St. Albans holds 4.2% of bank deposits, #7 of 15, with 5 offices.
93 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 15 institutions shown. $8.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.2% share, 5 offices, #7 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
23 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows