TellerScore

Headquartered in Saint Johnsbury, Vermont, Passumpsic Savings Bank is a si with $934.5M in total assets and $753.0M in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1853.

Passumpsic Savings Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Vermont, it ranks 1st. Problem-loan coverage contributes the most (85/100, 7.4%); funding & liquidity contributes the least (64/100, 86% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.06%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.71%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 86.1% · 24.4% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (72 → 76), mostly because the earnings component improved by 30 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202470
Q1 202566
Q2 202572
Q3 202572
Q4 202570
Q1 202667
Q2 202676
Tier 1 leverage ratio
5.00%9.03%13.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.83%
Q3 202412.75%
Q4 202412.34%
Q1 202512.41%
Q2 202512.76%
Q3 202512.79%
Q4 202512.45%
Q1 202612.52%
Q2 202613.06%
Noncurrent loans
0.43%1.00%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.57%
Q3 20241.37%
Q4 20240.56%
Q1 20250.47%
Q2 20250.43%
Q3 20250.58%
Q4 20250.67%
Q1 20260.72%
Q2 20260.71%
Return on assets
0.04%0.70%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.95%
Q4 20240.81%
Q1 20250.04%
Q2 20250.61%
Q3 20250.74%
Q4 20250.72%
Q1 20260.45%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$934.5M13.06%0.71%1.35%86.1%
Q1 202667$925.4M12.52%0.72%0.45%87.6%
Q4 202570$942.4M12.45%0.67%0.72%84.7%
Q3 202572$905.7M12.79%0.58%0.74%87.4%
Q2 202572$882.5M12.76%0.43%0.61%89.5%
Q1 202566$879.3M12.41%0.47%0.04%88.5%
Q4 202470$894.1M12.34%0.56%0.81%88.8%
Q3 202467$881.2M12.75%1.37%0.95%88.8%
Q2 202464$843.0M12.83%1.57%0.90%93.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.06%
76th
Total risk-based capital20.84%
88th
Problem loans0.71%
37th
Net charge-offs0.06%
26th
Return on assets1.35%
56th
Net interest margin3.31%
20th
Efficiency ratio86.5%
8th
Loans to deposits86.1%
35th
Uninsured deposits24.4%
48th
Loan-loss reserves1.08%
36th
Texas ratio7.4%
25th

Similar-size banks in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of BenningtonBank Bennington, VT70 out of 100, Strong$661.9M11.4%0.40%vs
The National Bank of MiddleburyBank Middlebury, VT74 out of 100, Strong$553.5M9.9%0.15%vs
Peoples Trust Company of St. AlbansBank Saint Albans, VT74 out of 100, Strong$395.4M11.8%0.41%vs
Business Bank, TheBank S Burlington, VT66 out of 100, Moderate$352.2M12.4%0.09%vs
The Brattleboro Savings and Loan AssociationBank Brattleboro, VT65 out of 100, Moderate$296.4M10.3%0.72%vs
Wells River Savings BankBank Wells River, VT67 out of 100, Moderate$266.9M10.8%0.63%vs

Deposit insurance

Is my money safe at Passumpsic Savings Bank?

Yes. Passumpsic Savings Bank is an FDIC-insured institution (FDIC certificate #14134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.4% of deposits ($183.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.84% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Passumpsic Savings Bank lists 11 offices in 10 cities across 2 states. Most locations:

  • Saint Johnsbury, VT (2)
  • Berlin, VT (1)
  • Danville, VT (1)
  • Groveton, NH (1)
  • Island Pond, VT (1)
  • Lancaster, NH (1)
  • Littleton, NH (1)
  • Lyndonville, VT (1)
  • Newport, VT (1)
  • Whitefield, NH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Passumpsic Savings Bank
Type
SI
FDIC certificate #
14134
RSSD ID
300009
Primary regulator
FDIC
Holding company
Passumpsic Bcorp
Established
February 24, 1853
Headquarters
497 Railroad St, Saint Johnsbury, VT 05819
Employees
155

Quick answers

Passumpsic Savings Bank: common questions

Is Passumpsic Savings Bank FDIC insured?

Yes. Passumpsic Savings Bank is an FDIC-insured institution (FDIC certificate #14134). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Passumpsic Savings Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Passumpsic Savings Bank ever failed?

There is no failure record for FDIC certificate #14134 in the FDIC failed bank list.

How many branches does Passumpsic Savings Bank have?

13 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Saint Johnsbury

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Lights Federal Credit UnionCredit union Saint Johnsbury, VT84 out of 100, Strong$42.8M14.3%0.29%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Bank of New HampshireBank Laconia, NH72 out of 100, Strong$2.8B12.1%0.63%vs
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
Wells River Savings BankBank Wells River, VT67 out of 100, Moderate$266.9M10.8%0.63%vs
Mascoma BankBank Lebanon, NH64 out of 100, Moderate$3.0B9.1%0.15%vs