The First National Bank Of Orwell vs Peoples Trust Company Of St. Albans
Comparing a Bank in Orwell, VT with a Bank in Saint Albans, VT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The First National Bank Of Orwell ↗ Bank · Orwell, VT · Est. 1863 | Peoples Trust Company Of St. Albans ↗ Bank · Saint Albans, VT · Est. 1866 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Orwell, VT | Saint Albans, VT |
| Total assets | $90.1M | $380.0M |
| Capital ratio | 11.7% | 11.2% |
| Return on assets | 1.5% | 1.1% |
| Deposits | $79.5M | $334.4M |
| Branches | 2 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 12 | #1 of 12 |
| Established | 1863 | 1866 |
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
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
Are both institutions federally insured?
Yes. The First National Bank Of Orwell is FDIC-insured and Peoples Trust Company Of St. Albans 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, The First National Bank Of Orwell or Peoples Trust Company Of St. Albans?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The First National Bank Of Orwell 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 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 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of The First National Bank Of Orwell vs Peoples Trust Company Of St. Albans?
The First National Bank Of Orwell has a capital ratio of 11.7%, placing it in the bottom 46% of <$100M peers. Peoples Trust Company Of St. Albans's ratio is 11.2%, placing it in the top 35% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The First National Bank Of Orwell have compared to Peoples Trust Company Of St. Albans?
The CFPB database shows 0 complaints against The First National Bank Of Orwell, and 0 complaints against Peoples Trust Company Of St. Albans. 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 The First National Bank Of Orwell 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.
