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Passumpsic Savings Bank

Saint Johnsbury, VT
IDRSSD: 300009
Total Assets
$905.70M
Latest filing
Total Deposits
$722.14M
Latest filing
Net Interest Margin
3.23%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassState chartered stock savings banks / S&L
Primary RegulatorFDIC
Established Date02/24/1853
Community BankYes
Ownership TypeNot Mutual
ZIP05819
State and County Number50005
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number01
Numeric code41
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameN/A

Operational Info

Number of Employees148
Domestic Offices12
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/17/2024
Date of Deposit Insurance03/31/1934
Primary Insurance AgencyDIF
Websitehttp://www.passumpsicbank.com
Data Updated11/14/2025
CERT14134
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$905.70M
Total Deposits$722.14M
Total Liabilities$786.47M
Total Equity Capital$119.22M
Net Income$2.24M
Net Loans and Leases$631.24M
Assets Per Employee ($Millions)$6.71M
Bank Premises and Fixed Assets$13.48M
Cash and Balances due from Depository Institutions$77.04M
Deposits Held in Domestic Offices$722.14M

Key Performance Ratios

Return on Assets (ROA)1%
Return on Equity (ROE)7.63%
Net Interest Margin3.23%
Efficiency Ratio89.04%
Tier 1 Risk-Based Capital Ratio19.387%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.164%
Earning Assets to total Assets90.74%

Income and Expense

Total Interest Income$9.65M
Total Noninterest Income$2.22M
Total Interest Expense$3.10M
Total Noninterest Expense$7.80M
Net Interest Income$6.54M
Pre-tax Net Operating Income$810.00k
Provision for Credit Losses$150.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$5.30M
Other borrowed funds$47.24M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$17.10M
Total Liabilities and Capital$905.70M

Securities

Securities$120.56M
Available-for-sale debt securities$83.16M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Passumpsic Savings Bank?
$905.70M as of the latest filing.
How much are Passumpsic Savings Bank's total deposits?
$722.14M in total deposits.
Where is Passumpsic Savings Bank located?
Saint Johnsbury, VT.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
12.
When was it established?
02/24/1853.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$631.24M (latest filing).
What is the total interest income (latest filing)?
$9.65M.