Rockland Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.56 percentage points higher than in Q1 2026, at 153.34%. Rockland Trust Company ranks 9th of 89 Massachusetts banks on return on assets, in the upper half at 1.42% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Rockland Trust Company sits 0.12 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.86% |
| Tier 1 risk-based capital ratio | 14.86% |
| Total risk-based capital ratio | 15.85% |
| Tier 1 leverage ratio | 11.83% |
| Equity capital to assets | 15.60% |
| Tangible equity to tangible assets | 11.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.69% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.44% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 153.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 8.96% |
| Net interest margin | 3.98% |
| Efficiency ratio | 50.57% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.72% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.29% |
| Deposits to assets | 82.21% |
| Securities to assets | 13.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.28% | 14.28% | 15.21% | 11.01% | 1.28% |
| Q4 2023 | 14.37% | 14.37% | 15.31% | 11.10% | 1.16% |
| Q1 2024 | 14.40% | 14.40% | 15.38% | 11.12% | 1.02% |
| Q2 2024 | 14.51% | 14.51% | 15.52% | 11.17% | 1.09% |
| Q3 2024 | 14.53% | 14.53% | 15.48% | 11.19% | 0.92% |
| Q4 2024 | 14.46% | 14.46% | 15.43% | 11.18% | 1.03% |
| Q1 2025 | 15.31% | 15.31% | 16.26% | 12.05% | 0.96% |
| Q2 2025 | 15.35% | 15.35% | 16.29% | 11.95% | 1.18% |
| Q3 2025 | 14.32% | 14.32% | 15.26% | 11.27% | 0.67% |
| Q4 2025 | 14.51% | 14.51% | 15.46% | 11.45% | 1.24% |
| Q1 2026 | 14.77% | 14.77% | 15.73% | 11.72% | 1.43% |
| Q2 2026 | 14.86% | 14.86% | 15.85% | 11.83% | 1.42% |
Rockland Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockland Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rockland Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9712) · FFIEC NIC profile (RSSD 613008)