Peoples Trust Company of St. Albans
PPAL
Other OTC- -
USD
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Capital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.- CEO
- Thomas J. Gallagher
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 25 Kingman Street Saint Albans VT United States of America 05478
- IPO Date
- May 16, 2007
- Website
- ptcvt.com
- Similar Companies
- Business
- Peoples Trust Company of St. Albans (PPAL) operates as a community bank providing a range of retail and commercial banking products and services to individuals, municipalities, commercial entities, and non-profit customers primarily in northwestern Vermont, United States. The company offers deposit products including checking accounts, savings accounts, money market accounts, individual retirement accounts (IRAs), and certificates of deposit; consumer lending solutions such as personal loans, auto loans, recreational vehicle loans, and debt consolidation services; business lending encompassing commercial real estate loans, construction loans, business lines of credit, equipment and vehicle loans, agricultural loans, and municipal loans; as well as mortgage loans, online banking, merchant services, wire transfers, night deposits, card services, and trust and investment services. Founded in 1886 by an Act of the General Assembly of the State of Vermont and headquartered at 25 Kingman Street in Saint Albans, Vermont, the bank maintains six full-service branches in Enosburg Falls, Essex, St. Albans, Georgia, and Swanton. In recent developments, the company reported trailing twelve-month revenue of $16.63 million and net income of $3.62 million as of December 31, 2024, reflecting solid financial health with a net profit margin of 21.75% and strong capital ratios; it also announced a quarterly dividend of $0.3125 per share payable on January 5, 2026, with an ex-date of December 12, 2025, underscoring its commitment to shareholder returns amid stable operations. No major acquisitions, partnerships, or strategic expansions were reported in the last 1-2 years, with the bank continuing its focus on local community banking without significant reorganizations.