Total Assets
$93M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$73M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$110K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.21%
Efficiency Ratio
96.21%
What the numbers say about Rockland Savings Bank, FSB
Rockland Savings Bank, FSB is an FDIC-insured institution (Certificate #28369) headquartered in Rockland, Maine, established in 1888. It holds $93M in total assets - 3,795th of 4,313 FDIC-insured banks, $73M in customer deposits, and $79M in net loans. Its capital position: a Tier 1 ratio of 13.57%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.80% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Rockland Savings Bank, FSB is a community-scale institution -- 22nd of 22 FDIC-insured banks headquartered in Maine by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Maine by total assets
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.
Other banks in Maine
All Maine banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Rockland Savings Bank, FSB's health grade?▼
Rockland Savings Bank, FSB receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Rockland Savings Bank, FSB?▼
Rockland Savings Bank, FSB holds $93M in total assets and $73M in deposits, ranking 3,795th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rockland, Maine.
Is my money safe at Rockland Savings Bank, FSB?▼
Yes, deposits at Rockland Savings Bank, FSB (Certificate #28369) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Rockland Savings Bank, FSB's Tier 1 Capital Ratio?▼
Rockland Savings Bank, FSB has a Tier 1 Capital Ratio of 13.57%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Rockland Savings Bank, FSB?▼
Rockland Savings Bank, FSB has a Texas Ratio of 0.80%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Rockland Savings Bank, FSB?▼
Rockland Savings Bank, FSB has an Efficiency Ratio of 96.21%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Rockland Savings Bank, FSB's profile as a depositor or analyst.
- Rockland Savings Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Rockland Savings Bank, FSB against other Maine banks before moving funds. Maine banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.