Peoples Trust Company Of St. Albans vs The First National Bank Of Orwell
Comparing a Bank in Saint Albans, VT with a Bank in Orwell, VT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Peoples Trust Company Of St. Albans ↗ Bank · Saint Albans, VT · Est. 1866 | The First National Bank Of Orwell ↗ Bank · Orwell, VT · Est. 1863 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Saint Albans, VT | Orwell, VT |
| Total assets | $380.0M | $90.1M |
| Capital ratio | 11.2% | 11.7% |
| Return on assets | 1.1% | 1.5% |
| Deposits | $334.4M | $79.5M |
| Branches | 5 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 12 | #3 of 12 |
| Established | 1866 | 1863 |
Peoples Trust Company Of St. Albans
- Assets: $380.0M
- Deposits: $334.4M
- Capital ratio: 11.2%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 12
The First National Bank Of Orwell
- Assets: $90.1M
- Deposits: $79.5M
- Capital ratio: 11.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 12
Are both institutions federally insured?
Yes. Peoples Trust Company Of St. Albans is FDIC-insured and The First National Bank Of Orwell is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Peoples Trust Company Of St. Albans or The First National Bank Of Orwell?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Peoples Trust Company Of St. Albans scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Peoples Trust Company Of St. Albans safe?
Yes — Peoples Trust Company Of St. Albans is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The First National Bank Of Orwell safe?
Yes — The First National Bank Of Orwell is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Peoples Trust Company Of St. Albans vs The First National Bank Of Orwell?
Peoples Trust Company Of St. Albans has a capital ratio of 11.2%, placing it in the top 35% of $100M–1B peers. The First National Bank Of Orwell's ratio is 11.7%, placing it in the bottom 46% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Peoples Trust Company Of St. Albans have compared to The First National Bank Of Orwell?
The CFPB database shows 0 complaints against Peoples Trust Company Of St. Albans, and 0 complaints against The First National Bank Of Orwell. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Peoples Trust Company Of St. Albans with other Banks in Vermont
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
