Community National Bank vs Passumpsic Savings Bank
Comparing a Bank in Derby, VT with a Bank in Saint Johnsbury, VT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Community National Bank ↗ Bank · Derby, VT · Est. 1851 | Passumpsic Savings Bank ↗ Bank · Saint Johnsbury, VT · Est. 1853 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 94/100 |
| Institution type | Bank | Bank |
| Location | Derby, VT | Saint Johnsbury, VT |
| Total assets | $1.2B | $925.4M |
| Capital ratio | 10.4% | 13.2% |
| Return on assets | 1.5% | 0.4% |
| Deposits | $1.0B | $743.1M |
| Branches | 12 | 13 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 12 | #6 of 12 |
| Established | 1851 | 1853 |
Community National Bank
- Assets: $1.2B
- Deposits: $1.0B
- Capital ratio: 10.4%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #2 of 12
Passumpsic Savings Bank
- Assets: $925.4M
- Deposits: $743.1M
- Capital ratio: 13.2%
- Return on assets: 0.4%
- CFPB complaints: 0
- State rank: #6 of 12
Are both institutions federally insured?
Yes. Community National Bank is FDIC-insured and Passumpsic Savings Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Community National Bank or Passumpsic Savings Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Community National Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Community National Bank safe?
Yes — Community National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Passumpsic Savings Bank safe?
Yes — Passumpsic Savings Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (94/100).
What is the capital ratio of Community National Bank vs Passumpsic Savings Bank?
Community National Bank has a capital ratio of 10.4%, placing it in the top 47% of $1B–10B peers. Passumpsic Savings Bank's ratio is 13.2%, placing it in the top 18% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Community National Bank have compared to Passumpsic Savings Bank?
The CFPB database shows 0 complaints against Community National Bank, and 0 complaints against Passumpsic Savings Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Community National Bank with other Banks in Vermont
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
