FDIC Cert #28369 · Rockland, Maine · Est. 1888

Rockland Savings Bank, FSB - FDIC Bank Health Profile

A community-scale look at Rockland Savings Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$93M
Total assets
C
Health grade · Fair
0.12%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Rockland Savings Bank, FSB earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.57% Tier 1, 0.12% ROA, 96% efficiency ratio.

#3,795
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
13.57%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 28369 · ME C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3725/4307
  • PHOTO-FINISH Sturgis Bank & Trust… · MI
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-THIN 0.12% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maine: Sturgis Bank & Trust Company, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Rockland Savings Bank, FSB

Lowest and highest poles plus nearest scored peers outside Maine, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Belmont Savings Bank… · NC ·…62/100Kearny Bank · NJ · near62/100Northfield Bank · NY · near62/100Rockland Savings Ban… · ME ·…62/100Sturgis Bank & Trust… · MI ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Rockland Savings Bank, FSB · July 2026

Plate reading for Rockland Savings Bank, FSB where failures stay rare

Rockland Savings Bank, FSB (FDIC Cert #28369) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,725 of 4,307. Tier 1 capital prints at 13.57%, clearing the 10% well-capitalized line. The Texas Ratio is 0.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.12%. Balance-sheet scale is $93M, 3,795th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sturgis Bank & Trust Company (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Rockland Savings Bank, FSB

Zero FAILURE resolutions in Maine since 2000

Rockland Savings Bank, FSB is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FSA LEWISTON, ME 1992 → KINGFIELD SB
  • MAINE SAVINGS BANK PORTLAND, ME 1991 → FLEET BANK OF MAINE
  • MAINE NATIONAL BANK PORTLAND, ME 1991 → NEW MAINE NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maine banks.

How Rockland Savings Bank, FSB's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Rockland Savings Bank, FSB's composite health score
Tier 1 Capital Ratio (13.57%) 35/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (96.21%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$93M

Total balance-sheet footings

Total Deposits

$73M

Customer-funded liabilities

Net Loans

$79M

Outstanding loan book

Net Income

$110K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.17% 13.57% 14.97%
Basel III capital ratios - Rockland Savings Bank, FSB

Where Rockland Savings Bank, FSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rockland Savings Bank, FSB's score of 62/100 falls in the highlighted band.

Rockland Savings Bank, FSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 14th percentile higher than 14% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Rockland Savings Bank, FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Rockland Savings Bank, FSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Rockland Savings Bank, FSB's $93M falls in the highlighted band.

Safety metrics: Rockland Savings Bank, FSB

Tier 1 capital ratio
Well-capitalized 10%

13.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.57%
Texas Ratio
0.80%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Rockland Savings Bank, FSB

Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.21%
Efficiency Ratio
96.21%

What these mean →

Income & expense at Rockland Savings Bank, FSB

$5M
Interest Income
$198K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Rockland Savings Bank, FSB reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Rockland Savings Bank, FSB on FDIC BankFind →

Top banks in Maine by total assets

Largest banks headquartered in Maine
  1. 1
    Bangor Savings Bank $7.4B

    Bangor, ME · Grade C

  2. 2
    The Camden National Bank $7.0B

    Camden, ME · Grade A

  3. 3
    Northeast Bank $4.9B

    Portland, ME · Grade A

  4. 4
    Bar Harbor Bank & Trust $4.7B

    Bar Harbor, ME · Grade A

  5. 5
    First National Bank $3.1B

    Damariscotta, ME · Grade A

Top 5 banks in Maine ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($93M here), outside Maine so the neighborhood is not state containment.

Integrity Bank $93M · KS Farmers & Merchants Bank of Craig Cou… $93M · VA The First National Bank of Johnson $93M · NE Williamsville State Bank & Trust $93M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rockland Savings Bank, FSB (FDIC Cert #28369) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Rockland Savings Bank, FSB Call Report profile · FDIC Failed Bank List · Maine FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maine

All Maine banks →
BankAssetsGradeROA
Bangor Savings BankBangor $7.4B C 0.39%
The Camden National BankCamden $7.0B A 1.03%
Northeast BankPortland $4.9B A 2.01%
Bar Harbor Bank & TrustBar Harbor $4.7B A 1.03%
First National BankDamariscotta $3.1B A 1.13%
Maine Community BankPortland $2.9B C 0.70%
Machias Savings BankMachias $2.7B B 0.89%
Norway Savings BankNorway $2.1B B 1.00%