Rollstone Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Rollstone Bank & Trust is an FDIC-insured commercial bank. Total assets stand at $816M. Returns are subdued: 0.08% ROA and 0.96% ROE. Capital cushions are healthy: 13.47% CET1, 10.13% Tier 1 leverage. Asset quality is pristine, 0.20% NPLs and a 1.53% Texas Ratio. It operates 8 branches, primarily in Massachusetts.
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%, a Texas ratio of 1.53%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 780 Main St, Fitchburg, MA 01420
- County
- Worcester
- Metro Area
- Worcester, MA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- 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)
- Offices
- 8 domestic
- Employees (FTE)
- 90
- Domestic deposits
- $677.3M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$3K
- 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
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 Rollstone Bank & Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Rollstone Bank & Trust, 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
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.
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 | 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% | 0.10% | 0.96% | 1.49% |
| Q1 2025 | 12.94% | -0.22% | 0.08% | 0.87% | 1.46% |
| Q4 2024 | 13.12% | -0.09% | 0.05% | 0.90% | 1.46% |
| Q3 2024 | 13.05% | -0.09% | 0.05% | 0.58% | 1.38% |
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 8 branches →
| 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
What the public regulatory sources show for Rollstone Bank & Trust, 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
- 0.1% of deposits in MA, rank 68 of 120 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.
- 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.
Add this badge to your website
Free to use. The badge always shows Rollstone Bank & Trust’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Rollstone Bank & Trust with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Rollstone Bank & Trust headquartered?
Rollstone Bank & Trust is headquartered in Fitchburg, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Rollstone Bank & Trust founded?
Rollstone Bank & Trust was established in 1846, per the FDIC institution directory.
Is Rollstone Bank & Trust FDIC-insured?
Yes. Rollstone Bank & Trust 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 OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Rollstone Bank & Trust's CET1 capital ratio?
Rollstone Bank & Trust 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?
Rollstone Bank & Trust 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?
Rollstone Bank & Trust's Texas Ratio is 1.53% 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.
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.
Go deeper on Rollstone Bank & Trust.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Rollstone Bank & Trust, freeFree account