This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Saint Albans, VT
Health score
84.3
Total assets
$395.4M
Bank
Middlebury, VT
Health score
77.7
Total assets
$553.5M
Answer first
Peoples Trust Company of St. Albans leads on financial health and capitalization and profitability and growth; The National Bank of Middlebury leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Peoples Trust Company of St. Albans
Higher TFS health score
Capitalization
Peoples Trust Company of St. Albans
Higher comparable capital ratio
Profitability
Peoples Trust Company of St. Albans
Higher return on assets
Lending quality
The National Bank of Middlebury
Lower problem-loan measure
Growth
Peoples Trust Company of St. Albans
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Peoples Trust Company of St. Albans | The National Bank of Middlebury |
|---|---|---|
| TFS health score | 84.3/100Leads | 77.7/100 |
| Total assets | $395.4M | $553.5M |
| Total deposits / shares | $348.8M | $500.2M |
| Tier 1 capital ratio | 11.79%Leads | 9.86% |
| Return on assets | 1.02%Leads | 1.01% |
| Return on equity | 9.16% | 12.55% |
Peoples Trust Company of St. Albans
5 branches
The National Bank of Middlebury
7 branches
Both institutions report branches in 1 state: VT.
Peoples Trust Company of St. Albans
Unavailable
The National Bank of Middlebury
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Peoples Trust Company of St. Albans
0 in TFS registry
The National Bank of Middlebury
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Peoples Trust Company of St. Albans score | Peoples Trust Company of St. Albans ROA | The National Bank of Middlebury score | The National Bank of Middlebury ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.07% | — | 0.61% |
| 2024-Q4 | — | 0.99% | — | 0.62% |
| 2025-Q1 | — | 0.94% | — | 0.74% |
| 2025-Q2 | — | 0.97% | — | 0.81% |
| 2025-Q3 | — | 1.07% | — | 1.00% |
| 2025-Q4 | — | 1.09% | — | 0.94% |
| 2026-Q1 | 82.2/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.41% | 0.15%Leads |
| Net charge-offs | 0.04% | 0.01%Leads |
| Efficiency ratio | 75.25% | 72.33%Leads |
| Loan-to-deposit ratio | 84.36% | 69.60% |
| Asset growth (YoY) | 4.93%Leads | 0.17% |
| Deposit / share growth (YoY) | 4.87%Leads | -1.24% |
| Branches | 5 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.09% |
| 79.2/100 |
| 1.01% |
| 2026-Q2 | 84.3/100 | 1.02% | 77.7/100 | 1.01% |