Overview / Commentary
802-748-3196
497 Railroad Street
Saint Johnsbury, VT 05819

Passumpsic Savings Bank is headquartered in Saint Johnsbury and is the 4th largest bank in the state of Vermont. It is also the 1,152nd largest bank in the nation. It was established in 1853 and as of June of 2018, it had grown to 156 employees at 11 locations. Passumpsic Savings Bank has an A health rating.

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Reviews (2)

Know Me By Name

The best part of banking at a local bank is everyone knows me by name. They ask how I'm doing, how the job is going. I can joke with them and they'll joke back. The service is always top-notch and everyone is super friendly. When I went in last year to open my checking account the woman who sat with me asked me what I would use the account for and then recommended what she thought would be the best fit. It was a basic account which allowed online banking, but not a lot of bells and whistles since I didn't require any. I used their ATM to deposit one of my checks and it showed up that Monday. I signed up for Direct Deposit into my account on a Monday and it was all set up and working smoothly by that Wednesday. I have never had a problem with glitches in the system nor breaks in security. All in all I can say they are very good to do business with.

Good place to bank!

Posted by: JohnF | Jun 23, 2015

My experience with Passumpsic Bank has been positive. They have several branches in the North Country of NH including Littleton, Whitefield and Lancaster which I have found convenient. Their customer service representatives are pleasant and professional. The bank employees keep the small town feel , where it's a good feeling to bank where I'm known by name when I enter a location. Their services include checking and savings accounts as well as other products. They provide telebanking which I find very convenient. The only difference I have found in comparison with the telebanking of national banks is that Passumpsic doesn't seem to have the level of transaction detail available over the phone as I would like. It will provide you with your balance and last transaction amounts and date, but I have not been able to get details (ie. location or name of company) on transactions. They do seem to have this level of detail if you request it at a branch location, so I hold out hope that telebanking will get more detailed in the future. Customer care is their biggest asset, because they make it about me.



Health

Health Grade Components

Overall
FDIC Certificate #14134
Year Established1853
Employees156
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.56%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$637.8MM$637.4MM
LoansQ2 2018vs Q2 2017$491.4MM$499.7MM
DepositsQ2 2018vs Q2 2017$519.7MM$525.9MM
Equity CapitalQ2 2018vs Q2 2017$77.4MM$74.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$6.0MM$6.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$4.1MM$6.8MM
Real Estate OwnedQ2 2018vs Q2 2017$1.2MM$234.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Passumpsic Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Passumpsic Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-IRA Savings
0.20%*$15k*-Health Savings Account Checking
OTHER TIERS: 0.05% $1 - $1k | 0.10% $1k - $5k | 0.15% $5k - $15k
0.10%$50-Statement Savings
0.10%$4-Youth Statement Savings
0.10%$2-Savers Club

Passumpsic Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Money Market Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k | 0.25% $100k - $500k
0.30%*$500k*-Business Money Market Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k | 0.25% $100k - $500k

Passumpsic Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$1$25kReward Checking
OTHER TIERS: 0.10% $25k+
0.30%*$50k*-Non-Profit Plus
OTHER TIERS: 0.20% $10k - $50k
0.05%$1-Bonus Benefits Checking Account
0.05%$500-Business NOW Account

Passumpsic Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-5 Year CD
1.25%$500-4 Year CD
0.85%$500-3 Year CD
0.75%$500-2 Year CD
0.50%$500-12 Month CD
0.30%$500-6 Month CD
0.25%$75-Youth 6 Month CD
0.15%$500-3 Month CD

Passumpsic Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-5 Year IRA
1.25%$500-4 Year IRA
0.85%$500-3 Year IRA
0.75%$500-2 Year IRA
0.50%$500-12 Month IRA
0.30%$500-6 Month IRA
0.15%$500-3 Month IRA
Locations


Cities: Danville, Island Pond, Lancaster, Littleton, Lyndonville, Newport, Northumberland, Saint Johnsbury, St. Johnsbury, Whitefield

Danville Branches
Danville Branch53 Route 2 WestDanville, VT 05828

Island Pond Branches
Mill Street Branch49 Mill StreetIsland Pond, VT 05846

Lancaster Branches
The Siwooganock Bank Branch117 Main StreetLancaster, NH 03584

Littleton Branches
Passumpsic Bank,fsb/Branch81 Meadow StreetLittleton, NH 03561

Lyndonville Branches
Memorial Branch62 Broad StreetLyndonville, VT 05851

Newport Branches
Newport Branch1 Gardner StreetNewport, VT 05855

Northumberland Branches
Groveton Branch40 State StreetNorthumberland, NH 03582

Saint Johnsbury Branches
Operations Center Branch1242 Memorial DriveSaint Johnsbury, VT 05819

St. Johnsbury Branches
Passumpsic Savings Bank497 Railroad StreetSt. Johnsbury, VT 05819

Whitefield Branches
Whitefield Branch20 Jefferson RoadWhitefield, NH 03598

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