Total Assets
$942M
Total balance-sheet footings
FDIC Cert #14134 · Saint Johnsbury, Vermont · Est. 1853
Passumpsic Savings Bank - FDIC Bank Health Profile
A community-scale look at Passumpsic Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $942M
- Total assets
- B
- Health grade · Good
- 0.72%
- Return on assets
- 18.9%
- Tier 1 capital
Data updated July 2026
The verdict
Passumpsic Savings Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 18.91% Tier 1, 0.72% ROA, 92% efficiency ratio.
- #1,102
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 18.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Passumpsic Savings Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Passumpsic Savings Bank's composite health score
Tier 1 Capital Ratio (18.91%) 40/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (3.39%) 20/20
Efficiency Ratio (91.85%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$762M
Customer-funded liabilities
Net Loans
$645M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Passumpsic Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Passumpsic Savings Bank's score of 74/100 falls in the highlighted band.
Passumpsic Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Passumpsic Savings Bank's $942M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.91%
Texas Ratio
3.39%
Equity Capital
$121M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
5.60%
Efficiency Ratio
91.85%
What the numbers say about Passumpsic Savings Bank
Passumpsic Savings Bank is an FDIC-insured institution (Certificate #14134) headquartered in Saint Johnsbury, Vermont, established in 1853. It holds $942M in total assets - 1,102nd of 4,313 FDIC-insured banks, $762M in customer deposits, and $645M in net loans. On safety, its Tier 1 capital ratio of 18.91% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.39% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Vermont, Passumpsic Savings Bank ranks 5th of 12 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$38M
Interest Income
$8M
Non-Interest Income
$31M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Passumpsic Savings Bank reports a Texas Ratio of 3.39% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Vermont by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Passumpsic Savings Bank (FDIC Cert #14134) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Union BankMorrisville | $1.6B | C | 0.77% |
| Northfield Savings BankNorthfield | $1.6B | C | 0.40% |
| Community National BankDerby | $1.3B | A | 1.49% |
| Ledyard National BankNorwich | $1.1B | B | 0.70% |
| The Bank of BenningtonBennington | $637M | A | 0.89% |
| The National Bank of MiddleburyMiddlebury | $557M | B | 0.94% |
| Peoples Trust Company of St. AlbansSaint Albans | $384M | A | 1.09% |
| Business Bank, TheS Burlington | $288M | C | -0.32% |
Frequently asked questions
What is Passumpsic Savings Bank's health grade?▼
Passumpsic Savings Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Passumpsic Savings Bank?▼
Passumpsic Savings Bank holds $942M in total assets and $762M in deposits, ranking 1,102nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Johnsbury, Vermont.
Is my money safe at Passumpsic Savings Bank?▼
Yes, deposits at Passumpsic Savings Bank (Certificate #14134) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Passumpsic Savings Bank's Tier 1 Capital Ratio?▼
Passumpsic Savings Bank has a Tier 1 Capital Ratio of 18.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Passumpsic Savings Bank?▼
Passumpsic Savings Bank has a Texas Ratio of 3.39%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Passumpsic Savings Bank?▼
Passumpsic Savings Bank has an Efficiency Ratio of 91.85%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Passumpsic Savings Bank's profile as a depositor or analyst.
- Passumpsic Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Passumpsic Savings Bank against other Vermont banks before moving funds. Vermont banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.