Passumpsic Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Passumpsic Savings Bank of Saint Johnsbury, VT against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.24% | 1.25% | +0.99% | 90th top |
| ROAE | 16.92% | 12.22% | +4.70% | 75th top |
| Net Interest Margin | 3.36% | 3.95% | -0.59% | 21st bottom |
| Efficiency Ratio | 82.86% | 63.71% | +19.15% | 10th bottom |
| PPNR / Avg Assets | 0.66% | — | — | 10th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 15th bottom |
| Cost of Funds | 1.54% | 1.87% | -0.33% | 67th above |
| Net Interest Spread | 2.88% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.88% | -0.17% | 37th below |
| NPA / Total Assets | 1.07% | — | — | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 1.08% | — | — | 35th below |
| ACL / NPLs (Coverage) | 150.94% | — | — | 39th below |
| Texas Ratio | 8.32% | 5.96% | +2.36% | 22nd bottom |
| Provision / NCO | 113.64% | — | — | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.67% | 17.18% | +2.49% | 76th top |
| Tier 1 Ratio | 19.67% | 17.21% | +2.46% | 76th top |
| Total Capital Ratio | 20.84% | — | — | 76th top |
| Leverage Ratio | 13.06% | 11.75% | +1.31% | 75th top |
| Equity / Assets | 13.60% | 10.98% | +2.62% | 82nd top |
| TCE / Tangible Assets | 12.26% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.00% | 80.44% | +6.56% | 36th below |
| Core Deposit Ratio | 94.84% | 86.95% | +7.89% | 83rd top |
| Wholesale Funding Ratio | 3.98% | — | — | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.89% | — | — | 61st above |
| Loan Growth (Y/Y) | 3.17% | — | — | 36th below |
| Deposit Growth (Y/Y) | 7.32% | — | — | 72nd above |
See Passumpsic Savings Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Passumpsic Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Passumpsic Savings Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Passumpsic Savings Bank peer analysis.