Passumpsic Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets rose 0.52 percentage points from Q1 2026 to Q2 2026, ending at 13.49% against 12.97%. It was the largest change among the key lines on this page. Passumpsic Savings Bank has the highest CET1 ratio of the 10 banks headquartered in Vermont, 19.67% as of Q2 2026. Passumpsic Savings Bank reported 19.67% on CET1 ratio for Q2 2026, 4.59 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.67% |
| Tier 1 risk-based capital ratio | 19.67% |
| Total risk-based capital ratio | 20.84% |
| Tier 1 leverage ratio | 13.06% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $121.2M |
| Tier 1 capital | $121.2M |
| Total risk-based capital | $128.4M |
| Total equity capital | $127.1M |
| Risk-weighted assets | $616.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.60% |
| Tangible equity to tangible assets | 12.26% |
| Equity capital to average assets | 13.49% |
| Internal capital growth rate | 17.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $135.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.16% | 18.16% | 19.41% | 11.54% | $538.6M |
| Q4 2023 | 18.02% | 18.02% | 19.27% | 12.18% | $565.3M |
| Q1 2024 | 18.31% | 18.31% | 19.56% | 12.64% | $573.9M |
| Q2 2024 | 18.56% | 18.56% | 19.81% | 12.83% | $569.5M |
| Q3 2024 | 18.69% | 18.69% | 19.94% | 12.75% | $577.5M |
| Q4 2024 | 19.04% | 19.04% | 20.29% | 12.34% | $569.9M |
| Q1 2025 | 19.24% | 19.24% | 20.49% | 12.41% | $564.6M |
| Q2 2025 | 19.35% | 19.35% | 20.60% | 12.76% | $574.8M |
| Q3 2025 | 19.39% | 19.39% | 20.64% | 12.79% | $585.3M |
| Q4 2025 | 18.91% | 18.91% | 20.08% | 12.45% | $607.3M |
| Q1 2026 | 18.99% | 18.99% | 20.17% | 12.52% | $610.3M |
| Q2 2026 | 19.67% | 19.67% | 20.84% | 13.06% | $616.0M |
Passumpsic Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Passumpsic Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Passumpsic Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14134) · FFIEC NIC profile (RSSD 300009)