Rollstone Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rollstone Bank & Trust of Fitchburg, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.08% | 1.35% | -1.27% | 5th bottom |
| ROAE | 0.96% | 13.32% | -12.36% | 6th bottom |
| Net Interest Margin | 1.94% | 3.93% | -1.99% | 1st bottom |
| Efficiency Ratio | 98.24% | 61.11% | +37.13% | 3rd bottom |
| PPNR / Avg Assets | 0.04% | 1.68% | -1.64% | 3rd bottom |
| Yield on Earning Assets | 4.26% | 5.67% | -1.41% | 5th bottom |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 1.47% | 3.32% | -1.85% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 73rd above |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 450.04% | 1539.61% | -1089.57% | 69th above |
| Texas Ratio | 1.53% | 7.34% | -5.81% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.47% | 19.51% | -6.04% | 33rd below |
| Tier 1 Ratio | 13.47% | 19.54% | -6.07% | 33rd below |
| Total Capital Ratio | 14.28% | 20.63% | -6.35% | 30th below |
| Leverage Ratio | 10.13% | 12.14% | -2.01% | 35th below |
| Equity / Assets | 8.59% | 11.38% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 8.59% | 11.10% | -2.51% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.43% | 80.63% | +4.80% | 39th below |
| Core Deposit Ratio | 70.90% | 86.87% | -15.97% | 6th bottom |
| Wholesale Funding Ratio | 7.62% | 5.03% | +2.59% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -12.35% | 6.87% | -19.22% | 1st bottom |
| Loan Growth (Y/Y) | -12.94% | 7.92% | -20.86% | 1st bottom |
| Deposit Growth (Y/Y) | -4.11% | 6.30% | -10.41% | 8th bottom |
See Rollstone Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rollstone Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rollstone Bank & Trust profile, how to read a UBPR, or how this data updates.