VT lenders / Community Bank
Peoples Trust Company of St. Albans
Community Bank · Saint Albans, VT
- Total assets
- $380.0M
- CRE loan book
- $105.5M
- QoQ CRE growth
- -1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.76% as of Q1 2026 — TX bank median 4.87% (0.90pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.76% | 5.60% |
| Q4 2025 | 6.04% | 5.85% |
| Q3 2025 | 5.82% | 5.70% |
| Q2 2025 | 5.70% | 5.58% |
| Q1 2025 | 5.53% | 5.37% |
| Q4 2024 | 5.58% | 5.44% |
| Q3 2024 | 5.58% | 5.44% |
| Q2 2024 | 5.34% | 5.24% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $105.5M | $8.4M | $30.4M | 151% | $296,000 |
| Q4 2025 | $107.4M | $9.1M | $30.6M | 157% | $454,000 |
| Q3 2025 | $115.1M | $15.9M | $25.4M | 176% | $0 |
| Q2 2025 | $117.6M | $22.2M | $20.5M | 188% | $0 |
| Q1 2025 | $109.0M | $19.5M | $16.1M | 171% | $15,000 |
| Q4 2024 | $109.4M | $18.9M | $16.1M | 175% | $15,000 |
| Q3 2024 | $105.9M | $15.4M | $15.9M | 168% | $16,000 |
| Q2 2024 | $104.3M | $15.8M | $15.7M | 169% | $154,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Commerce BankCommunity Bank · Geneva · $105.1M CRE book
- New Era BankCommunity Bank · Fredericktown · $105.1M CRE book
- First State Bank & TrustCommunity Bank · Williston · $106.1M CRE book
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
- The Citizens Bank of SwainsboroCommunity Bank · Swainsboro · $106.2M CRE book
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Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.