BlastPoint's Banking Scorecard
Passumpsic Savings Bank
Community
Specialty: Mortgage
VT
FDIC cert 14134
Saint Johnsbury, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
Passumpsic Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.66% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4% in Community
- - Liquidity Overhang: Bottom 36% in Community
- - Efficiency Drag: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$942.4M
+5.4% YoY
+4.1% QoQ
|
-$449.0M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$645.1M
+1.4% YoY
+2.2% QoQ
|
-$330.4M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$761.6M
+6.2% YoY
+5.5% QoQ
|
-$403.0M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.72%
-10.5% YoY
-2.4% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.16%
+4.7% YoY
+0.7% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
91.85%
-2.3% YoY
-0.4% QoQ
|
+29.21% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.67%
+18.8% YoY
+13.7% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
84.70%
-4.6% YoY
-3.1% QoQ
|
+1.64% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
19.21%
+6.9% YoY
-9.0% QoQ
|
-1.84% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
1.02%
-4.1% YoY
+2.5% QoQ
|
+0.52% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
18.91%
-0.7% YoY
-2.5% QoQ
|
+8.66% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.88%
+5.9% YoY
+25.9% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.91%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Risk Growth
risk
#25 of 642 · Bottom 4% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Overhang
risk
#98 of 268 · Bottom 36% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.91%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
84.70%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#75 of 152 · Bottom 49% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
91.85%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 18.91% · Tier avg: 10.24%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 83.06%
46
46th pctile
Total Assets
Current: $942.4M · Tier avg: $1.4B
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
45
45th pctile
Total Loans
Current: $645.1M · Tier avg: $975.5M
43
43th pctile
Total Deposits
Current: $761.6M · Tier avg: $1.2B
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
3
3th pctile
Efficiency Ratio
Current: 91.85% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 91.85% · Tier avg: 62.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
43
43th pctile
Total Deposits
Current: $761.6M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $645.1M · Tier avg: $975.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 21.05%
46
46th pctile
Total Assets
Current: $942.4M · Tier avg: $1.4B
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 83.06%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.91% · Tier avg: 10.24%