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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fitchburg, MA · FDIC certificate #17797
ROLLSTONE BANK&TRUST is an FDIC-insured institution based in Fitchburg, MA (FDIC certificate #17797). In its Q3 2026 Call Report it reported total assets of $812M, total deposits of $676M and net loans of $573M. Its primary federal regulator is OCC.
Plain-language readout
ROLLSTONE BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $836M in Q1 2026 and were lowest at $812M in Q3 2026.
Total deposits were highest at $684M in Q1 2026 and lowest at $676M in Q3 2026.
Over the whole period total assets fell 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $812M | $676M | $573M | 0.06% | 0.67% | 2.02% |
| Q2 2026 | $816M | $677M | $573M | 0.07% | 0.88% | 2.00% |
| Q1 2026 | $836M | $684M | $585M | 0.07% | 0.80% | 1.99% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.8M | $18.0M | -$6.2M | -34.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $168.6M | $169.2M | -$589K | -0.3% |
| Equity securities with readily determinable fair values, not held for trading | $1.7M | $3.0M | -$1.2M | -41.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $573.4M | $584.7M | -$11.2M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.8M | $11.6M | +$227K | +2.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $49.0M | $49.6M | -$598K | -1.2% |
| Total assets | $816.3M | $836.0M | -$19.7M | -2.4% |
| Liabilities | ||||
| Total deposits | $677.3M | $683.9M | -$6.6M | -1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $62.2M | $78.7M | -$16.4M | -20.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.7M | $4.1M | +$2.6M | +62.9% |
| Total liabilities | $746.2M | $766.6M | -$20.4M | -2.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $85.9M | $85.7M | +$169K | +0.2% |
| Accumulated other comprehensive income | -$15.7M | -$16.3M | +$611K | +3.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $70.2M | $69.4M | +$780K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $530K | +$621K | +117.2% |
| Adjusted nonperforming assets | $1.2M | $530K | +$621K | +117.2% |
| Tangible equity plus allowance | $75.3M | $74.6M | +$729K | +1.0% |
| Texas ratio (gross) | 1.53% | 0.71% | +0.82 pts | See points |
| Texas ratio (adjusted) | 1.53% | 0.71% | +0.82 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.53% | 0.71% | +0.82 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.47% | 13.26% | +0.21 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.47% | 13.26% | +0.21 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.81% | 0.81% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.28% | 14.07% | +0.22 pts | See points |
| Tier 1 leverage (approximate) | 10.13% | 9.96% | +0.17 pts | See points |
| Construction and land loans to total capital | 13.92% | 14.21% | -0.30 pts | See points |
| Commercial real estate to total capital | 340.58% | 350.50% | -9.92 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -25.40% | -25.58% | +0.18 pts | See points |
| Liquidity | ||||
| Core deposits | $480.2M | $487.0M | -$6.8M | -1.4% |
| Non-core funding | $259.3M | $275.5M | -$16.2M | -5.9% |
| Loans to core deposits | 120.50% | 121.13% | -0.63 pts | See points |
| Loans to deposits | 85.43% | 86.26% | -0.82 pts | See points |
| Brokered deposits share of deposits | 14.90% | 14.75% | +0.14 pts | See points |
| Pledged securities share of securities | 85.54% | 86.31% | -0.77 pts | See points |
| Loans pledged, share of loans | 48.96% | 48.96% | +0.00 pts | See points |
| Volatile liabilities | $259.3M | $275.5M | -$16.2M | -5.9% |
| Earnings | ||||
| Earnings before provision, year to date | $88K | $6K | +$82K | +1366.7% |
| Earnings before provision, single quarter | $82K | $6K | +$76K | +1266.7% |
| Provision for credit losses, year to date | -$197K | -$145K | -$52K | -35.9% |
| Yield and cost | ||||
| Yield on loans and leases | 4.59% | 4.54% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.71% | 4.16% | -0.46 pts | See points |
| Total interest income to average assets | 3.98% | 3.98% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 1.09% | 1.08% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.89% | 1.83% | +0.05 pts | See points |
| Cost of time deposits | 3.51% | 3.54% | -0.03 pts | See points |
| Total interest expense to average assets | 2.17% | 2.19% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $812M | $676M | $573M | 0.06% | 0.67% | 2.02% |
| 2026-06-30 | $816M | $677M | $573M | 0.07% | 0.88% | 2.00% |
| 2026-03-31 | $836M | $684M | $585M | 0.07% | 0.80% | 1.99% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $706.3M | 0.12% | 68 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.