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Passumpsic Savings Bank

$100M-$1B Specialty: Mortgage VT FDIC cert 14134

Saint Johnsbury, VT

13 branches across VT · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 7 in VT.
  • Deposits +7.3% year over year ($753.0M on the books).
  • Delinquency rate 0.72%.
  • Return on assets 1.35%.
  • Efficiency ratio 86.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 7 in VT
View $100M-$1B leaderboard (VT) →

Passumpsic Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 21.4% in tier
  • - Liquidity Overhang: Bottom 29.8% in tier
  • - Credit Quality Pressure: Bottom 48.3% in tier
  • - Efficiency Ratio 22.03% above tier average
  • - Net Interest Margin 0.68% below tier average
Get updates when Passumpsic Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Total Assets ? $934.5M
+5.9% YoY +1.0% QoQ
+$547.9M $386.6M
+1.2% YoY
$744.2M
+4.9% YoY
$6.3B
+7.7% YoY
Top 2.5% in tier
Total Loans ? $648.0M
+3.2% YoY -0.4% QoQ
+$389.7M $258.3M
+1.7% YoY
$538.3M
+6.1% YoY
$3.2B
+9.4% YoY
Top 4.0% in tier
Total Deposits ? $753.0M
+7.3% YoY +1.3% QoQ
+$426.2M $326.7M
+0.7% YoY
$606.0M
+4.8% YoY
$4.9B
+7.3% YoY
Top 4.4% in tier
Return on Assets ? 1.35%
+121.6% YoY +200.7% QoQ
+0.03% 1.32%
+10.8% YoY
0.88%
+34.8% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.31%
+6.3% YoY +2.8% QoQ
-0.68% 3.99%
+5.0% YoY
3.60%
+8.7% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 86.51%
-7.8% YoY -3.8% QoQ
+22.03% 64.48%
-3.2% YoY
75.18%
-3.3% YoY
70.05%
+2.5% YoY
Bottom 8.1% in tier
Delinquency Rate ? 0.72%
+66.8% YoY -0.7% QoQ
-0.20% 0.92%
+15.7% YoY
0.71%
+15.5% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 86.06%
-3.8% YoY -1.7% QoQ
+8.11% 77.95%
+1.0% YoY
86.19%
+1.4% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 18.88%
-6.0% YoY -4.2% QoQ
-3.15% 22.03%
-0.6% YoY
20.51%
+3.2% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 1.07%
+12.4% YoY -1.5% QoQ
+0.40% 0.67%
+16.4% YoY
0.60%
+14.2% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 19.67%
+1.6% YoY +3.6% QoQ
+3.76% 15.91%
+1.4% YoY
14.99%
+1.6% YoY
17.09%
+0.8% YoY
Top 14.5% in tier
Non-Interest Income / Assets ? 0.41%
-12.7% YoY +122.6% QoQ
-0.16% 0.57%
+7.6% YoY
0.33%
-3.2% YoY
0.66%
+5.2% YoY
Top 14.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Noninterest-Bearing 18.9%
-1.2pp YoY
-0.8pp QoQ
 -3.3pp 22.1% 20.5% 22.2% 40%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
C&I 4.5%
+0.2pp YoY
+0.2pp QoQ
 -7.1pp 11.6% 7.7% 12.5% 17%
CRE 16.7%
+1.7pp YoY
+1.2pp QoQ
 -22.8pp 39.5% 36.8% 41.4% 13%
1-4 Family 71.9%
-3.2pp YoY
-0.2pp QoQ
 +39.3pp 32.6% 53.7% 31.3% 95%
Consumer 5.3%
+1.9pp YoY
+0.1pp QoQ
 +1.2pp 4.1% 2.2% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
CET1 Ratio 19.7%
+0.3pp YoY
+0.7pp QoQ
 +0.8pp 18.8% 15.8% 19.7% 76%
Leverage Ratio 13.1%
+0.3pp YoY
+0.5pp QoQ
 +0.9pp 12.2% 10.7% 12.6% 76%
Total Capital Ratio 20.8%
+0.2pp YoY
+0.7pp QoQ
 +0.9pp 19.9% 16.8% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Full-Time Employees 155
+7 (+4.7%) YoY
+13 (+9.2%) QoQ
 +96 58 99 482 98%
Assets per Employee ($) $6.0M
+1.1% YoY
-7.5% QoQ
 -$1.5M $7.5M $7.4M $8.8M 34%
Branch Count 12
0 YoY
0 QoQ
 +7 4 8 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.7%
+0.3pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.7% 1.0% 63%
Allowance Coverage 1.51x
-42.5% YoY
+1.4% QoQ
 -22.64x 24.15x 2.58x 20.23x 39%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 69%

Profitability

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
ROE 10.2%
+5.5pp YoY
+6.8pp QoQ
 -2.0pp 12.2% 9.1% 11.6% 38%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 31%
Net Income ($, YTD) $6.3M
+133.8% YoY
— QoQ
 +$3.8M $2.6M $3.5M $40.4M 93%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#201 of 936 • Bottom 21.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#222 of 742 • Bottom 29.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.67%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#608 of 1256 • Bottom 48.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.72%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

67
Total Assets
size
Value: $934.46M
Peer Median: $386.57M
#67 of 2643 Top 2.5% in $100M-$1B
108
Total Loans
size
Value: $648.01M
Peer Median: $258.35M
#108 of 2643 Top 4.0% in $100M-$1B
116
Total Deposits
size
Value: $752.96M
Peer Median: $326.73M
#116 of 2643 Top 4.4% in $100M-$1B
370
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#370 of 2643 Top 14.0% in $100M-$1B
384
Tier 1 Capital Ratio
capital
Value: 19.67%
Peer Median: 15.91%
#384 of 2643 Top 14.5% in $100M-$1B

Top Weaknesses (3 metrics)

2430
Efficiency Ratio
profitability
Value: 86.51%
Peer Median: 64.48%
#2430 of 2643 Bottom 8.1% in $100M-$1B
2148
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.67%
#2148 of 2643 Bottom 18.8% in $100M-$1B
2116
Net Interest Margin
profitability
Value: 3.31%
Peer Median: 3.99%
#2116 of 2643 Bottom 20.0% in $100M-$1B
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