Bank · FDIC insured
Passumpsic Bank
A $934.5M bank headquartered in St. Johnsbury, VT, with 11 branches in 2 states. Best rates: CDs 4.15% and savings 0.15% APY.
Passumpsic Bank Carrot Score
72
Carrot Score
Higher than 30% of U.S. banks and credit unions
#6 of 17 in Lebanon, NH-VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Passumpsic Bank
First opened on February 24, 1853, as Passumpsic Savings Bank, the institution is a stock savings bank and wholly owned subsidiary of mutual holding company Passumpsic Bancorp.
Adopting the name Passumpsic Bank in 2018, it operates an 11-branch network serving Vermont's Northeast Kingdom and Central Vermont, alongside New Hampshire's North Country.
- Headquarters
- 497 Railroad St, St. Johnsbury, VT 05819
- FDIC certificate
- 14134 ↗
Branches
11 branches in 2 states
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Vermont
7 branches
St. Johnsbury area · 2
- Passumpsic Savings BankMain office497 Railroad St, St. Johnsbury, VT 05819Directions
- Operations Center Branch1242 Memorial Dr, St. Johnsbury, VT 05819Directions
Barre area · 1
- Berlin Mall282 Berlin Mall Rd, Berlin, VT 05602Directions
Danville area · 1
- Danville Branch53 Route 2 W, Danville, VT 05828Directions
Island Pond area · 1
- Island Pond Branch49 Mill Street, Island Pond, VT 05846Directions
Lyndonville area · 1
- Memorial Branch62 Broad St, Lyndonville, VT 05851Directions
Newport area · 1
- Newport Branch1 Gardner St, Newport, VT 05855Directions
New Hampshire
4 branches
Groveton area · 1
- Groveton Branch40 State St, Groveton, NH 03582Directions
Lancaster area · 1
- Lancaster Branch117 Main St, Lancaster, NH 03584Directions
Lebanon area · 1
- Passumpsic Bank,Fsb/Branch81 Meadow St, Littleton, NH 03561Directions
Whitefield area · 1
- Whitefield Branch20 Jefferson Rd, Whitefield, NH 03598Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.06% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.71% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio13.06%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.71%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Passumpsic Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.