FDIC Cert #9712 · Rockland, Massachusetts · Est. 1907

Rockland Trust Company - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$24.9B
Total assets
A
Health grade · Excellent
1.03%
Return on assets
14.5%
Tier 1 capital

Data updated July 2026

The verdict

Rockland Trust Company earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.51% Tier 1, profitable at 1.03% ROA, efficient (58% cost ratio).

#87
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
14.51%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9712 · MA A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1154/4307
  • PHOTO-FINISH 21st Century Bank · MN
  • TIER1-WELL 14.5% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-PAR 1.03% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: 21st Century Bank, MN (±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 Trust Company

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

Morgan Stanley Bank,… · UT ·…100/10021st Century Bank · MN · near87/100First Bank · FL · near87/100Mid Penn Bank · PA · near87/100Rockland Trust Company · MA …87/100The North Side Bank… · OH · …87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Rockland Trust Company · July 2026

Plate reading for Rockland Trust Company where failures stay rare

Rockland Trust Company (FDIC Cert #9712) carries a PlainBankData health grade of A at 87/100, 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 #1,154 of 4,307. Tier 1 capital prints at 14.51%, clearing the 10% well-capitalized line. The Texas Ratio is 2.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $24.9B, 87th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 21st Century Bank (MN), 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 Trust Company

Only 1 FAILURE resolution in Massachusetts since 2000

Rockland Trust Company is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

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

How Rockland Trust Company's 87/100 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 avg77/10087/100
Rockland Trust Company's composite health score
Tier 1 Capital Ratio (14.51%) 35/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (2.06%) 20/20
Efficiency Ratio (58.01%) 12/15

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

Balance sheet at a glance

Total Assets

$24.9B

Total balance-sheet footings

Total Deposits

$20.3B

Customer-funded liabilities

Net Loans

$18.3B

Outstanding loan book

Net Income

$225M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.11% 14.51% 15.91%
Basel III capital ratios - Rockland Trust Company

Where Rockland Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rockland Trust Company's score of 87/100 falls in the highlighted band.

Rockland Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Rockland Trust Company 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 Trust Company'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 Trust Company's $24.9B falls in the highlighted band.

Safety metrics: Rockland Trust Company

Tier 1 capital ratio
Well-capitalized 10%

14.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.51%
Texas Ratio
2.06%
Equity Capital
$3.9B

What these ratios mean →

Earnings posture at Rockland Trust Company

Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
6.61%
Efficiency Ratio
58.01%

What these mean →

Income & expense at Rockland Trust Company

$1.0B
Interest Income
$146M
Non-Interest Income
$530M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Rockland Trust Company reports a Texas Ratio of 2.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Rockland Trust Company on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

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

National size peers: banks closest to Rockland Trust Company by assets

Rockland Trust Company is closely matched in total assets by Customers Bank, Provident Bank, Ameriprise Bank, FSB, Simmons Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.04%, versus Rockland Trust Company's own 1.03%; the average efficiency ratio is 44.28%, versus 58.01% here; and average Tier 1 capital sits at 16.03%, versus 14.51% at Rockland Trust Company. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $24.9B in assets, Rockland Trust Company has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Rockland Trust Company nationally by total assets
  1. 1
    Customers Bank $24.9B

    Malvern, PA · Grade A

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  4. 4
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

  6. 6
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Rockland Trust Company (this bank) MA $24.9B 1.03% 58.01% 14.51%
Customers Bank PA $24.9B 1.01% 48.22% 13.25%
Provident Bank NJ $24.9B 1.28% 46.51% 12.15%
Ameriprise Bank, FSB MN $25.3B 3.08% 9.87% 32.63%
Simmons Bank AR $24.5B -1.40% 57.93% 10.56%
Cathay Bank CA $24.2B 1.38% 43.01% 13.73%
Bank of Hawaii HI $24.1B 0.87% 60.14% 13.89%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($24.9B here), outside Massachusetts so the neighborhood is not state containment.

Customers Bank $24.9B · PA Provident Bank $24.9B · NJ Ameriprise Bank, FSB $25.3B · MN Simmons Bank $24.5B · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rockland Trust Company (FDIC Cert #9712) - 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 Trust Company Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%
The Cape Cod Five Cents Savings BankHyannis $5.6B B 0.70%