Passumpsic Savings Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Passumpsic Savings Bank (FDIC Cert #14134) registers 51/100 on DLRadar's scale — a moderate reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Grafton County, NH, Washington County, VT, Orleans County, VT, Caledonia County, VT, among others DLRadar tracks parcel by parcel. Passumpsic Savings Bank is held under Passumpsic Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Passumpsic Savings Bank in isolation: the 131-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. No bank is too small to score the same way: Passumpsic Savings Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 131-ZIP profile means exactly what it would for any institution nationwide. A moderate score on a footprint this size means the markets Passumpsic Savings Bank touches inherit a corresponding share of that lending pressure. Passumpsic Savings Bank runs a compact, regionally concentrated real-estate lending footprint — 6 U.S. counties across 2 states, spanning 131 ZIP codes. The deepest footprints are Vermont (4 counties), New Hampshire (2 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Passumpsic Savings Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

For buyers, lender stress is an early map of supply: when Passumpsic Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.