Rollstone Bank & Trust: how it compares with its peers
Against 41 MA banks with half to twice its assets, Rollstone Bank & Trust's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $8.7M peer median). Its weakest relative measure is net interest margin (2.00% vs. 3.13%).
| Measure | Rollstone Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.07% | 0.59% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.00% | 3.13% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 99.08% | 76.51% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $8.7M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.67% | 92.98% | Context |
What it means for lending operations
Its efficiency ratio of 99.08% is above the 76.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Monson Savings Bank Monson, MA · $806M
- Savers Co-operative Bank Southbridge, MA · $783M
- The Bank of Canton Canton, MA · $783M
- Clinton Savings Bank Clinton, MA · $745M
- The Savings Bank Wakefield, MA · $891M
- Mechanics Cooperative Bank Taunton, MA · $899M
Questions about Rollstone Bank & Trust
How big is Rollstone Bank & Trust?
Rollstone Bank & Trust, established in 1846, is headquartered in Fitchburg, MA. It reported $816M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Rollstone Bank & Trust's return on assets?
0.07% annualized in Q2 2026, against a 0.59% median for 41 MA banks with half to twice its assets, ahead of 5% of them.
What is Rollstone Bank & Trust's efficiency ratio?
99.08% in Q2 2026: it spent about 99 cents in noninterest expense for each dollar of revenue. The peer median is 76.51%, and lower is better.
Is Rollstone Bank & Trust growing its loans?
Net loans shrank 12.9% over the year to Q2 2026, while deposits shrank 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.