Passumpsic Savings Bank (FDIC #14134): Bank Stress & Real-Estate Credit Exposure

Passumpsic Savings Bank (FDIC Cert #14134): bank stress 51/100, moderate, STABLE over 7 days; parent PASSUMPSIC BCORP.

Passumpsic Savings Bank (#14134) lends in 6 counties across 2 states; Passumpsic Savings Bank (#14134) reaches 131 ZIP codes: Vermont 4 counties, 79 ZIPs; New Hampshire 2 counties, 52 ZIPs.

Passumpsic Savings Bank (#14134) largest markets: Grafton County, NH (37 branches, 37 ZIPs) (#14134), Washington County, VT (28 branches, 28 ZIPs) (#14134), Orleans County, VT (24 branches, 24 ZIPs) (#14134), Caledonia County, VT (88 branches, 22 ZIPs) (#14134), Coos County, NH (48 branches, 16 ZIPs) (#14134), Essex County, VT (12 branches, 12 ZIPs) (#14134).

Passumpsic Savings Bank (#14134) reports $934.5 million in total assets; Passumpsic Savings Bank (#14134) equity $127.1 million (13.6% of Passumpsic Savings Bank (#14134) assets); Passumpsic Savings Bank (#14134) domestic deposits $753.0 million; Passumpsic Savings Bank (#14134) net income $6.3 million; Passumpsic Savings Bank (#14134) return on assets 1.35%; Passumpsic Savings Bank (#14134) return on equity 10.24%; Passumpsic Savings Bank (#14134) net interest income $14.1 million; Passumpsic Savings Bank (#14134) call report June 30, 2026.

Passumpsic Savings Bank (#14134) noncurrent real-estate loans: none reported; Passumpsic Savings Bank (#14134) net charge-offs on real estate 0.81%; Passumpsic Savings Bank (#14134) multifamily charge-offs 7.89%; Passumpsic Savings Bank (#14134) residential charge-offs 0.31%.

Passumpsic Savings Bank (#14134) net interest margin 3.31% against an eight-quarter Passumpsic Savings Bank (#14134) average of 3.13% (Passumpsic Savings Bank (#14134) compression -0.18 points); Passumpsic Savings Bank (#14134) non-residential real estate 31.5% of equity; Passumpsic Savings Bank (#14134) rate-exposure score 40/100, Passumpsic Savings Bank (#14134) fixed-rate trap 40/100; Passumpsic Savings Bank (#14134) risk type credit driven; Passumpsic Savings Bank (#14134) rate regime rates elevated, Passumpsic Savings Bank (#14134) snapshot October 19, 2026.

Passumpsic Savings Bank (#14134) stress score moved from 68.5 on June 22, 2026 to 50.8 on October 19, 2026; Passumpsic Savings Bank (#14134) ranged 50.8 to 68.5 over 116 snapshots.

Passumpsic Savings Bank (#14134) alerts: 6 counties; top Passumpsic Savings Bank (#14134) alert scores: Island Pond County, VT 20 (low); Littleton County, VT 20 (low); Montpelier County, VT 20 (low); Newport County, VT 20 (low); Saint Johnsbury County, VT 20 (low).