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Passumpsic Savings Bank
Saint Johnsbury, VT · FDIC Certificate #14134 · Chartered 02/2
Total assets
$934.46M
Total deposits
$752.96M
Total equity
$127.05M
Net loans
$648.01M
Branches (offices)
11
Net income (YTD)
$6.32M
Rank: #1,110 of 4,213 U.S. banks by assets · #5 of 12 in Vermont. Assets changed 5.9% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 10.24% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 13.60% |
| Tier 1 leverage ratio | 13.06% |
| Uninsured deposits (share of deposits) | 24.4% |
| Noncurrent loans (share of loans) | 0.71% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $575.55M | 88.8% | |
| Commercial & industrial | $28.87M | 4.5% | |
| Consumer / individual | $34.30M | 5.3% | |
| Construction & development | $11.04M | 1.7% | |
| Agricultural | $49.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $842.06M | $714.43M | -$3.92M | $95.20M |
| Jun 2023 | $847.14M | $678.70M | $2.95M | $100.45M |
| Jun 2024 | $843.00M | $661.99M | $3.81M | $108.95M |
| Jun 2025 | $882.48M | $701.61M | $2.70M | $116.11M |
| Jun 2026 | $934.46M | $752.96M | $6.32M | $127.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $478.24M | 7 |
| New Hampshire | $274.72M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $752.96M.
Similar-sized banks
Newfirst National Bank ($934.93M) · Bank Of Eastern Oregon ($933.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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