Rollstone Bank & Trust: 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: 536.94 percentage points lower than in Q1 2026, at 450.04%. Rollstone Bank & Trust has the 5th lowest return on assets of the 89 banks headquartered in Massachusetts, at 0.08% as of Q2 2026. Rollstone Bank & Trust's return on assets of 0.08% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.47% |
| Tier 1 risk-based capital ratio | 13.47% |
| Total risk-based capital ratio | 14.28% |
| Tier 1 leverage ratio | 10.13% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.53% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 450.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.08% |
| Return on equity | 0.96% |
| Net interest margin | 1.94% |
| Efficiency ratio | 98.24% |
| Yield on earning assets | 4.26% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.43% |
| Core deposits to total deposits | 70.90% |
| Brokered deposits to total deposits | 14.90% |
| Deposits to assets | 82.96% |
| Securities to assets | 20.86% |
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 | 12.88% | 12.88% | 13.81% | 9.98% | -0.21% |
| Q4 2023 | 12.82% | 12.82% | 13.76% | 9.78% | -0.39% |
| Q1 2024 | 13.17% | 13.17% | 14.07% | 10.02% | 1.07% |
| Q2 2024 | 13.15% | 13.15% | 14.07% | 10.05% | -0.27% |
| Q3 2024 | 13.05% | 13.05% | 13.94% | 9.86% | -0.09% |
| Q4 2024 | 13.12% | 13.12% | 14.00% | 9.76% | -0.09% |
| Q1 2025 | 12.94% | 12.94% | 13.82% | 9.61% | -0.22% |
| Q2 2025 | 12.84% | 12.84% | 13.72% | 9.50% | -0.25% |
| Q3 2025 | 13.23% | 13.23% | 14.11% | 9.31% | -0.85% |
| Q4 2025 | 12.99% | 12.99% | 13.81% | 9.42% | -0.97% |
| Q1 2026 | 13.26% | 13.26% | 14.07% | 9.96% | 0.06% |
| Q2 2026 | 13.47% | 13.47% | 14.28% | 10.13% | 0.08% |
Rollstone Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rollstone Bank & Trust, 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 Rollstone Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17797) · FFIEC NIC profile (RSSD 837608)