Passumpsic Savings Bank
Saint Johnsbury, VT
IDRSSD: 300009
Total Assets
$942.40M
Latest filing
Total Deposits
$761.56M
Latest filing
Net Interest Margin
3.26%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211674775ST. JOHNSBURY, VT
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Passumpsic Savings Bank
497 Railroad St
Saint Johnsbury, VT 05819
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/24/1853FDIC Certificate 8828
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Passumpsic Savings Bank (Main) | 497 Railroad St | Saint Johnsbury, VT |
| LANCASTER BRANCH | 117 Main St | Lancaster, NH |
| WHITEFIELD BRANCH | 20 Jefferson Rd | Whitefield, NH |
| NEWPORT BRANCH | 1 Gardner St | Newport, VT |
| MEMORIAL BRANCH | 62 Broad St | Lyndonville, VT |
| LITTLETON LOAN PRODUCTION BRANCH | 225 Main St | Littleton, NH |
| OPERATIONS CENTER BRANCH | 1242 Memorial Dr | Saint Johnsbury, VT |
| GROVETON BRANCH | 40 State St | Groveton, NH |
Showing 7 of 12
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 Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 02/24/1853 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05819 |
| State and County Number | 50005 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 135 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 03/31/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.passumpsicbank.com |
| Data Updated | 01/30/2026 |
| CERT | 14134 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $942.40M |
| Total Deposits | $761.56M |
| Total Liabilities | $821.40M |
| Total Equity Capital | $121.00M |
| Net Income | $1.57M |
| Net Loans and Leases | $645.07M |
| Assets Per Employee ($Millions) | $6.16M |
| Bank Premises and Fixed Assets | $13.48M |
| Cash and Balances due from Depository Institutions | $93.02M |
| Deposits Held in Domestic Offices | $761.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 5.22% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 90.85% |
| Tier 1 Risk-Based Capital Ratio | 18.908% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.84% |
| Earning Assets to total Assets | 91.14% |
Income and Expense
| Total Interest Income | $9.99M |
| Total Noninterest Income | $1.98M |
| Total Interest Expense | $3.13M |
| Total Noninterest Expense | $8.02M |
| Net Interest Income | $6.85M |
| Pre-tax Net Operating Income | $758.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $5.30M |
| Other borrowed funds | $44.24M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.61M |
| Total Liabilities and Capital | $942.40M |
Securities
| Securities | $127.46M |
| Available-for-sale debt securities | $86.21M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$942.40M as of the latest filing.
How much are Passumpsic Savings Bank's total deposits?
$761.56M in total deposits.
Where is Passumpsic Savings Bank located?
Saint Johnsbury, VT.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
12.
When was it established?
02/24/1853.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$645.07M (latest filing).
What is the total interest income (latest filing)?
$9.99M.