Rollstone Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Rollstone Bank & Trust is an FDIC-insured commercial bank headquartered in Fitchburg, MA, established in 1846 (FDIC certificate 17797), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $816.3M, down 12.3% from Q2 2025, the 55th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 13.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17797
- Headquarters
- Fitchburg, MA
- Established
- 1846
- Total assets, Q2 2026
- $816.3M
- Assets vs Q2 2025
- -12.3%
- CET1 ratio, Q2 2026
- 13.47%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 211370736
- Latest call report
- Q2 2026, FFIEC 051 · Rollstone Bank & Trust call report
- Holding company
- RIVER RUN BANCORP, INC.
- Asset rank in state
- 55th of 89 in Massachusetts
Rollstone Bank & Trust spends more to run itself than most banks of its size. It reported $816 million in assets at June 30, 2026, down 12.3% from a year earlier. It earns about $0.08 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 12.9% and deposits fell 4.1%. Unrealized losses on its securities total $22 million, equal to 25% of Tier 1 capital, against 30% a year earlier. Its margin is thin by comparison: it keeps 1.94 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, Rollstone Bank & Trust reported a CET1 capital ratio of 13.47%, a return on assets of 0.08%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Rollstone Bank & Trust is the 55th largest of the 89 banks headquartered in Massachusetts. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $816.3M, loans fell 1.9% and deposits fell 1.0%. Non-owner-occupied commercial real estate loans made up 48.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.4%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities in MA; its Leominster 2 offices book 34% of its branch deposits. On its Q2 2026 call report, Rollstone Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 780 Main St, Fitchburg, MA 01420
- County
- Worcester
- Metro Area
- Worcester, MA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 12, 1846
- Former names
- Fitchburg Savings Bank, FSB (1983-2008); Fitchburg Savings Bank (1972-1983)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $677.3M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $847.6M
- Average total loans
- $584.0M
- Average interest-bearing deposits
- $584.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 17797
- Fed RSSD
- 837608
- Website
- http://www.rollstonebank.com →
- Parent Holding Company
- RIVER RUN BANCORP, INC. (RSSD 4267481)
- Ultimate Parent
- RIVER RUN BANCORP, MHC (RSSD 4267472)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Rollstone Bank & Trust's total assets ranged from $816.3M (Q2 2026) to $931.3M (Q2 2025), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$816.3M total assets against $931.3M; $746.2M total liabilities against $861.4M.
$573.4M net loans and leases against $658.4M; $677.3M total deposits against $706.3M.
$170.3M securities against $200.4M; $11.8M cash and balances due against $7.6M.
$8.4M total interest income against $9.4M; $4.6M total interest expense against $6.1M.
$3.8M net interest income against $3.3M.
$1.0M total noninterest income against $874K; $4.8M total noninterest expense against $4.6M.
-$52K provision for credit losses against $37K.
$168K net income against -$586K.
0.08% return on assets against -0.25%; 1.94% net interest margin against 1.49%.
13.47% CET1 capital ratio against 12.84%; 10.13% tier 1 leverage ratio against 9.50%.
Inside the full Rollstone Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Rollstone Bank & Trust rankings
Its closest position to the top of a national ranking is 1,224 of 4,196, for total assets; its furthest is 3,543 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.97% (Q4 2025) to 0.08% (Q2 2026) and its net interest margin ran from 1.38% (Q3 2024) to 1.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.47% | 0.08% | 0.20% | 1.53% | 1.94% |
| Q1 2026 | 13.26% | 0.06% | 0.09% | 0.71% | 1.92% |
| Q4 2025 | 12.99% | -0.97% | 0.06% | 0.46% | 1.74% |
| Q3 2025 | 13.23% | -0.85% | 0.10% | 0.87% | 1.51% |
| Q2 2025 | 12.84% | -0.25% | 0.11% | 0.96% | 1.49% |
| Q1 2025 | 12.94% | -0.22% | 0.10% | 0.87% | 1.46% |
| Q4 2024 | 13.12% | -0.09% | 0.10% | 0.90% | 1.46% |
| Q3 2024 | 13.05% | -0.09% | 0.07% | 0.58% | 1.38% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Harvard Branch | Harvard , MA | 01451 | $178.5M |
| Monument Square Branch | Leominster , MA | 01453 | $175.6M |
| Townsend Branch | Townsend , MA | 01469 | $82.3M |
| Parkhill Plaza Branch | Fitchburg , MA | 01420 | $79.7M |
| Fitchgate Branch | Fitchburg , MA | 01420 | $78.9M |
| Central Street Branch | Leominster , MA | 01453 | $53.5M |
| Groton Branch | Groton , MA | 01450 | $28.8M |
| Rollstone Bank & Trust (main office) | Fitchburg , MA | 01420 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MA, rank 68 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 22 loans originated, $8.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rollstone Bank & Trust
What are Rollstone Bank & Trust's total assets?
As of the Q2 2026 filing, Rollstone Bank & Trust reported total assets of $816.3 million in its FFIEC call report.
Where is Rollstone Bank & Trust headquartered?
It is headquartered in Fitchburg, MA, United States.
When was Rollstone Bank & Trust founded?
It was established in 1846, per the FDIC institution directory.
Is Rollstone Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17797). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rollstone Bank & Trust?
Rollstone Bank & Trust's primary federal regulator is the FDIC.
What is Rollstone Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rollstone Bank & Trust operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rollstone Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Rollstone Bank & Trust previously called?
The charter now named Rollstone Bank & Trust has also operated as Fitchburg Savings Bank, FSB (1983-2008), Fitchburg Savings Bank (1972-1983), per FDIC structure-change records.
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