Passumpsic Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.36%, the biggest move on this page. Within Vermont, Passumpsic Savings Bank is 7th of 12 on net interest margin, 3.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Passumpsic Savings Bank sits 0.58 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 5.28% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.11% | 1.19% | 3.04% | 4.45% | 2.25% |
| Q4 2023 | 4.30% | 1.25% | 3.18% | 4.65% | 2.14% |
| Q1 2024 | 4.20% | 1.31% | 3.02% | 4.56% | 2.14% |
| Q2 2024 | 4.30% | 1.40% | 3.02% | 4.67% | 2.21% |
| Q3 2024 | 4.35% | 1.63% | 2.88% | 4.75% | 2.15% |
| Q4 2024 | 4.50% | 1.61% | 3.05% | 4.86% | 2.26% |
| Q1 2025 | 4.49% | 1.59% | 3.02% | 4.91% | 2.48% |
| Q2 2025 | 4.64% | 1.63% | 3.13% | 5.05% | 2.53% |
| Q3 2025 | 4.68% | 1.63% | 3.19% | 5.15% | 2.65% |
| Q4 2025 | 4.66% | 1.58% | 3.21% | 5.13% | 2.69% |
| Q1 2026 | 4.60% | 1.53% | 3.19% | 5.08% | 2.80% |
| Q2 2026 | 4.77% | 1.54% | 3.36% | 5.28% | 2.79% |
Passumpsic Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Passumpsic Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)