Total Assets
$24.9B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$20.3B
Customer-funded liabilities
Net Loans
$18.3B
Outstanding loan book
Net Income
$225M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
6.61%
Efficiency Ratio
58.01%
What the numbers say about Rockland Trust Company
Rockland Trust Company is an FDIC-insured institution (Certificate #9712) headquartered in Rockland, Massachusetts, established in 1907. It holds $24.9B in total assets - 87th of 4,313 FDIC-insured banks, $20.3B in customer deposits, and $18.3B in net loans. On safety, its Tier 1 capital ratio of 14.51% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.06% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Rockland Trust Company's asset base places it among the largest FDIC-insured institutions in the country, 87th of 4,313 nationally, and 3rd of 91 banks headquartered in Massachusetts. Only Eastern Bank ($30.6B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Massachusetts by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Rockland Trust Company's health grade?▼
Rockland Trust Company receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Rockland Trust Company?▼
Rockland Trust Company holds $24.9B in total assets and $20.3B in deposits, ranking 87th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rockland, Massachusetts.
Is my money safe at Rockland Trust Company?▼
Yes, deposits at Rockland Trust Company (Certificate #9712) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Rockland Trust Company's Tier 1 Capital Ratio?▼
Rockland Trust Company has a Tier 1 Capital Ratio of 14.51%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Rockland Trust Company?▼
Rockland Trust Company has a Texas Ratio of 2.06%. A ratio below 50% is generally considered 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 Trust Company?▼
Rockland Trust Company has an Efficiency Ratio of 58.01%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Rockland Trust Company's profile as a depositor or analyst.
- Rockland Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Rockland Trust Company against other Massachusetts banks before moving funds. Massachusetts 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.