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Rollstone Bank & Trust
Fitchburg, MA · FDIC Certificate #17797 · Chartered 02/1
Total assets
$816.33M
Total deposits
$677.26M
Total equity
$70.16M
Net loans
$573.43M
Branches (offices)
8
Net income (YTD)
$306.00K
Rank: #1,232 of 4,213 U.S. banks by assets · #55 of 89 in Massachusetts. Assets changed -12.3% and deposits -4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.07% |
| Return on equity | 0.88% |
| Net interest margin (YTD) | 2.00% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 10.13% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 84.7% |
| Real estate loans (share of loans) | 95.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $548.65M | 95.7% | |
| Commercial & industrial | $24.70M | 4.3% | |
| Consumer / individual | $387.00K | 0.1% | |
| Construction & development | $12.67M | 2.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $843.41M | $723.06M | -$192.00K | $74.65M |
| Jun 2023 | $906.38M | $669.27M | -$98.00K | $72.18M |
| Jun 2024 | $899.47M | $689.56M | $1.85M | $71.16M |
| Jun 2025 | $931.31M | $706.33M | -$1.11M | $69.88M |
| Jun 2026 | $816.33M | $677.26M | $306.00K | $70.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $677.26M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $677.26M.
Similar-sized banks
First Option Bank ($817.58M) · Royal Bank ($816.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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