Banks PASSUMPSIC SAVINGS BANK

PASSUMPSIC SAVINGS BANK

SAINT JOHNSBURY, VT Medium Est. Feb. 24, 1853, midnight FDIC #14134 RSSD #300009 FDIC
Latest · 2025-12-31

PASSUMPSIC SAVINGS BANK is an FDIC-insured commercial bank headquartered in SAINT JOHNSBURY, VT, established in Feb. 24, 1853, midnight. As of 2025-12-31, the bank reported total assets of $942M and total deposits of $762M. Profitability stands at 0.68% ROA and 5.22% ROE, with a net interest margin of 3.22%. CET1 capital ratio: 18.91%, well above regulatory minimums. NPL ratio: 0.67% · Texas Ratio: 7.53%.

Assets
$942M
Deposits
$762M
Loans
$652M
Equity
$121M

Profitability

Return on Assets (ROA)0.68%
Return on Equity (ROE)5.22%
Net Interest Margin3.22%
Yield on Assets4.70%
Cost of Funds1.59%

Asset Quality

NPL Ratio0.67%
Net Charge-Off Ratio0.09%
Texas Ratio7.53%
NPA Ratio1.02%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio18.91%
Tier 1 Capital18.91%
Total Capital Ratio20.08%
Leverage Ratio12.45%
Loan-to-Deposit85.62%

This is just the summary.

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