Passumpsic Savings Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Passumpsic Savings Bank's strongest measure in Q2 2026 is return on assets (1.35% vs. a 1.26% peer median). Its weakest relative measure is efficiency ratio (86.51% vs. 61.24%).
| Measure | Passumpsic Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.26% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 3.85% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 86.51% | 61.24% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.4M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.06% | 83.61% | Context |
What it means for lending operations
Its efficiency ratio of 86.51% is above the 61.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- NewFirst National Bank El Campo, TX · $935M
- First Commerce Bank Lewisburg, TN · $935M
- Bank of Eastern Oregon Heppner, OR · $934M
- Texas Heritage National Bank Daingerfield, TX · $936M
- Franklin Savings Bank Franklin, NH · $931M
- Vermillion State Bank Vermillion, MN · $931M
Questions about Passumpsic Savings Bank
How big is Passumpsic Savings Bank?
Passumpsic Savings Bank, established in 1853, is headquartered in Saint Johnsbury, VT. It reported $934M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Passumpsic Savings Bank's return on assets?
1.35% annualized in Q2 2026, against a 1.26% median for 999 U.S. banks with half to twice its assets, ahead of 55% of them.
What is Passumpsic Savings Bank's efficiency ratio?
86.51% in Q2 2026: it spent about 87 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is Passumpsic Savings Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 7.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Vermont bank ranked.