Rockland Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Rockland Trust Company is an FDIC-insured commercial bank, in the Greater Boston banking market. On its most recent Q2 2026 call report, Rockland Trust Company reported $25.0B in total assets against $20.5B in deposits. The bank posts a strong 1.42% ROA and 8.96% ROE. Regulatory capital is solid, 14.86% CET1 and 15.85% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.69% NPL ratio. A 151-branch network serves customers across multiple states.
As of June 30, 2026, Rockland Trust Company reported a CET1 capital ratio of 14.86%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.69%, a Texas ratio of 4.44%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 288 Union St, Rockland, MA 02370
- County
- Plymouth
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- 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 grandfathered
- Call Report form
- FFIEC 041
- Established
- September 10, 1907
- Offices
- 151 domestic
- Employees (FTE)
- 2,269
- Domestic deposits
- $20.53B
- Allowance for credit losses
- $195.9M
- Net charge-offs (YTD)
- $5.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9712
- Fed RSSD
- 613008
- SEC CIK
- 776901 → filed by INDEPENDENT BANK CORP.
- Website
- http://www.rocklandtrust.com →
- Parent Holding Company
- INDEPENDENT BANK CORP. (RSSD 1136803) · INDB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Tengel Jeffrey J | CEO | Chief Executive Officer |
| Ruggiero Mark J | CFO | CFO & EVP Consumer Lending |
| Nadeau Gerard F | PRES | President |
| O'Malley Kathryn | CCO | Chief Credit Officer |
| O'Neill Tamina | CRO | Chief Risk Officer |
| Natale Patricia M | GC | General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Rockland Trust Company terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Rockland Trust Company, 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Rockland Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Rockland Trust Company
- Enterprise Bank and Trust Company, effective July 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.86% | 1.42% | 0.69% | 4.44% | 3.98% |
| Q1 2026 | 14.77% | 1.43% | 0.76% | 4.93% | 3.98% |
| Q4 2025 | 14.51% | 1.24% | 0.78% | 5.18% | 3.93% |
| Q3 2025 | 14.32% | 0.67% | 0.82% | 5.49% | 3.79% |
| Q2 2025 | 15.35% | 1.18% | 1.07% | 6.82% | 3.51% |
| Q1 2025 | 15.31% | 0.96% | 1.27% | 8.03% | 3.40% |
| Q4 2024 | 14.46% | 1.03% | 1.35% | 9.15% | 3.38% |
| Q3 2024 | 14.53% | 0.92% | 1.24% | 8.35% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 151 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rockland Trust Company (main office) | Rockland , MA | 02370 | $998.0M |
| Lowell - Merrimack St Branch | Lowell , MA | 01852 | $432.4M |
| Norwell Branch | Norwell , MA | 02061 | $366.2M |
| Salem Nh Branch | Salem , NH | 03079 | $331.0M |
| Plymouth Pilgrim Hill Branch | Plymouth , MA | 02360 | $326.7M |
| Attleboro Branch | Attleboro , MA | 02703 | $281.0M |
| Seekonk Branch | Seekonk , MA | 02771 | $265.1M |
| Fairhaven Branch | Fairhaven , MA | 02719 | $248.1M |
| Brockton West Branch | Brockton , MA | 02301 | $247.6M |
| Franklin - Main Branch | Franklin , MA | 02038 | $243.9M |
| Marshfield Branch | Marshfield , MA | 02050 | $243.5M |
| Somerset Branch | Somerset , MA | 02726 | $241.9M |
| Lawrence Branch | Lawrence , MA | 01843 | $240.7M |
| Chelmsford - Littleton Rd Branch | Chelmsford , MA | 01824 | $232.9M |
| Stoughton Branch | Stoughton , MA | 02072 | $230.6M |
| Bridgewater Branch | Bridgewater , MA | 02324 | $227.7M |
| West Roxbury Branch | West Roxbury , MA | 02132 | $222.4M |
| Peabody Branch | Peabody , MA | 01960 | $207.8M |
| Kingston Branch | Kingston , MA | 02364 | $203.8M |
| Andover Branch | Andover , MA | 01810 | $199.6M |
| Randolph Branch | Randolph , MA | 02368 | $199.4M |
| Burlington Branch | Burlington , MA | 01803 | $195.9M |
| Nantucket - Pleasant Street Branch | Nantucket , MA | 02554 | $194.3M |
| Fitchburg Branch | Fitchburg , MA | 01420 | $193.9M |
| Middleboro Branch | Middleboro , MA | 02346 | $191.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2025 | Structure Change | Acquired Enterprise Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2021 | Structure Change | Acquired East Boston Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Blue Hills Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 2018 | Structure Change | Acquired The Milford National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2017 | Structure Change | Acquired The Edgartown National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Structure Change | Acquired Bank of Cape Cod Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2015 | Structure Change | Acquired Peoples Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2013 | Structure Change | Acquired Mayflower Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2012 | Structure Change | Acquired Central Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 9, 2009 | Structure Change | Acquired Benjamin Franklin Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2008 | Structure Change | Acquired Slade's Ferry Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2004 | Structure Change | Acquired Falmouth Co-operative Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 1994 | Structure Change | Acquired Plymouth Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 22, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 20, 1992 | Structure Change | Acquired Middleborough Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 27 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Rockland Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.0% of deposits in MA, rank 7 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,320 applications, 3,419 loans originated, $1.42B originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Rockland Trust Company
What are Rockland Trust Company's total assets?
As of the Q2 2026 filing, Rockland Trust Company reported total assets of $24.97 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Rockland Trust Company headquartered?
Rockland Trust Company is headquartered in Rockland, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Rockland Trust Company founded?
Rockland Trust Company was established in 1907, per the FDIC institution directory.
Is Rockland Trust Company FDIC-insured?
Yes. Rockland Trust Company is an FDIC-insured commercial bank (FDIC Certificate #9712). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rockland Trust Company?
Rockland Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Rockland Trust Company's CET1 capital ratio?
Rockland Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rockland Trust Company operate?
Rockland Trust Company operates 151 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rockland Trust Company's Texas Ratio?
Rockland Trust Company's Texas Ratio is 4.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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