Passumpsic Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on assets: 1.79 percentage points higher than in Q1 2026, at 2.24%. As of Q2 2026, Passumpsic Savings Bank ranks first in Vermont on return on assets among 12 banks, at 2.24%. Against a median of 1.26% for banks in the $100M-1B asset tier, Passumpsic Savings Bank reported 2.24% on return on assets in Q2 2026, 0.98 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.67% |
| Tier 1 risk-based capital ratio | 19.67% |
| Total risk-based capital ratio | 20.84% |
| Tier 1 leverage ratio | 13.06% |
| Equity capital to assets | 13.60% |
| Tangible equity to tangible assets | 12.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 1.07% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 8.32% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 150.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.24% |
| Return on equity | 16.92% |
| Net interest margin | 3.36% |
| Efficiency ratio | 82.86% |
| Yield on earning assets | 4.77% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.00% |
| Core deposits to total deposits | 94.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.58% |
| Securities to assets | 15.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.16% | 18.16% | 19.41% | 11.54% | 0.01% |
| Q4 2023 | 18.02% | 18.02% | 19.27% | 12.18% | 1.98% |
| Q1 2024 | 18.31% | 18.31% | 19.56% | 12.64% | 1.53% |
| Q2 2024 | 18.56% | 18.56% | 19.81% | 12.83% | 0.27% |
| Q3 2024 | 18.69% | 18.69% | 19.94% | 12.75% | 1.07% |
| Q4 2024 | 19.04% | 19.04% | 20.29% | 12.34% | 0.39% |
| Q1 2025 | 19.24% | 19.24% | 20.49% | 12.41% | 0.04% |
| Q2 2025 | 19.35% | 19.35% | 20.60% | 12.76% | 1.18% |
| Q3 2025 | 19.39% | 19.39% | 20.64% | 12.79% | 1.00% |
| Q4 2025 | 18.91% | 18.91% | 20.08% | 12.45% | 0.67% |
| Q1 2026 | 18.99% | 18.99% | 20.17% | 12.52% | 0.45% |
| Q2 2026 | 19.67% | 19.67% | 20.84% | 13.06% | 2.24% |
Passumpsic Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Passumpsic Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)