ROLLSTONE BANK & TRUST

FITCHBURG, MA | Medium | Est. Feb. 12, 1846, midnight | FDIC #17797 | RSSD #837608 | OCC
Latest Report: 2025-12-31

ROLLSTONE BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in FITCHBURG, MA, established in Feb. 12, 1846, midnight. As of 2025-12-31, the bank reported total assets of $848M and total deposits of $686M. Profitability stands at -1.01% ROA and -12.68% ROE, with a net interest margin of 1.83%. The bank's CET1 capital ratio is 12.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.46%. FDIC Certificate #17797.

Assets

$848M

Deposits

$686M

Loans

$602M

Equity

$69M

Profitability

Return on Assets (ROA) -1.01%
Return on Equity (ROE) -12.68%
Net Interest Margin (NIM) 1.83%
Yield on Assets 4.53%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.46%
NPA Ratio 0.04%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 12.99%
Tier 1 Capital 12.99%
Total Capital Ratio 13.81%
Leverage Ratio 9.42%
Loan-to-Deposit 87.75%

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