FDIC Cert #17797 · Fitchburg, Massachusetts · Est. 1846

Rollstone Bank & Trust - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$848M
Total assets
C
Health grade · Fair
-0.59%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Rollstone Bank & Trust earns a PlainBankData health grade of C (55/100), with well-capitalized at 12.99% Tier 1, -0.59% ROA, 157% efficiency ratio.

#1,203
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
12.99%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 17797 · MA C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4015/4307
  • PHOTO-FINISH Saco & Biddeford Sav… · ME
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-LOSS -0.59% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Saco & Biddeford Savings Institution, ME (±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 Rollstone Bank & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Piscataqua Savings B… · NH ·…55/100Rollstone Bank & Trust · MA …55/100Saco & Biddeford Sav… · ME ·…55/100Spiro State Bank · OK · near55/100The State Bank of Pe… · IL ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Rollstone Bank & Trust · July 2026

Plate reading for Rollstone Bank & Trust where failures stay rare

Rollstone Bank & Trust (FDIC Cert #17797) carries a PlainBankData health grade of C at 55/100, 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 #4,015 of 4,307. Tier 1 capital prints at 12.99%, clearing the 10% well-capitalized line. The Texas Ratio is 0.46%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.59%. Balance-sheet scale is $848M, 1,203rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Saco & Biddeford Savings Institution (ME), 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 Rollstone Bank & Trust

Only 1 FAILURE resolution in Massachusetts since 2000

Rollstone Bank & Trust 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 Rollstone Bank & Trust's 55/100 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 avg77/10055/100
Rollstone Bank & Trust's composite health score
Tier 1 Capital Ratio (12.99%) 35/40
Return on Assets (ROA) (-0.59%) 0/25
Texas Ratio (0.46%) 20/20
Efficiency Ratio (156.82%) 0/15

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

Balance sheet at a glance

Total Assets

$848M

Total balance-sheet footings

Total Deposits

$686M

Customer-funded liabilities

Net Loans

$597M

Outstanding loan book

Net Income

$-5,334K

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.) 11.59% 12.99% 14.39%
Basel III capital ratios - Rollstone Bank & Trust

Where Rollstone Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rollstone Bank & Trust's score of 55/100 falls in the highlighted band.

Rollstone Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Rollstone Bank & Trust 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

Rollstone Bank & Trust'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). Rollstone Bank & Trust's $848M falls in the highlighted band.

Safety metrics: Rollstone Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

12.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.99%
Texas Ratio
0.46%
Equity Capital
$69M

What these ratios mean →

Profitability metrics: Rollstone Bank & Trust

Return on Assets (ROA)
3rd percentile nationally
-0.59%
Return on Equity (ROE)
-7.62%
Efficiency Ratio
156.82%

What these mean →

Income & expense: loss period at Rollstone Bank & Trust

$37M
Interest Income
$-1,927K
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Rollstone Bank & Trust reports a Texas Ratio of 0.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Rollstone Bank & Trust

Rollstone Bank & Trust's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,334K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Rollstone Bank & Trust up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Rollstone Bank & Trust 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($848M here), outside Massachusetts so the neighborhood is not state containment.

First Utah Bank $846M · UT First National Bank North $845M · MN Column $850M · CA The Old Fort Banking Company $845M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rollstone Bank & Trust (FDIC Cert #17797) - 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.

Rollstone Bank & Trust 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%
Rockland Trust CompanyRockland $24.9B A 1.03%
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%