BlastPoint's Banking Scorecard
Rollstone Bank & Trust
Community
Specialty: Commercial
MA
FDIC cert 17797
Fitchburg, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Rollstone Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16% in Community
- - Deposit Outflow: Bottom 39% in Community
- - Return on Assets 1.75% below tier
- - Net Interest Margin 2.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$847.5M
-7.1% YoY
-6.4% QoQ
|
-$543.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$596.6M
-8.2% YoY
-5.3% QoQ
|
-$378.9M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$686.0M
-0.9% YoY
-0.3% QoQ
|
-$478.6M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
-0.59%
-477.4% YoY
-30.1% QoQ
|
-1.75% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.63%
+13.5% YoY
+4.6% QoQ
|
-2.03% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
156.82%
+66.2% YoY
+10.3% QoQ
|
+94.19% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.06%
-45.0% YoY
-44.7% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
86.97%
-7.4% YoY
-5.1% QoQ
|
+3.90% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
12.61%
-10.0% YoY
-7.7% QoQ
|
-8.44% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.04%
-45.6% YoY
-44.1% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
12.99%
-1.0% YoY
-1.8% QoQ
|
+2.75% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
-0.23%
-128.4% YoY
|
-0.97% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#25 of 152 · Bottom 16% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
156.82%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#97 of 248 · Bottom 39% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.59%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.63%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
58
58th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 10.24%
57
57th pctile
Loan-to-Deposit Ratio
Current: 86.97% · Tier avg: 83.06%
40
40th pctile
Total Loans
Current: $596.6M · Tier avg: $975.5M
39
39th pctile
Total Assets
Current: $847.5M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $686.0M · Tier avg: $1.2B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.61% · Tier avg: 21.05%
1
1th pctile
Return on Assets
Current: -0.59% · Tier avg: 1.16%
1
1th pctile
Net Interest Margin
Current: 1.63% · Tier avg: 3.66%
0
0th pctile
Efficiency Ratio
Current: 156.82% · Tier avg: 62.63%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 156.82% · Tier avg: 62.63%
1
1th pctile
Net Interest Margin
Current: 1.63% · Tier avg: 3.66%
1
1th pctile
Return on Assets
Current: -0.59% · Tier avg: 1.16%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.61% · Tier avg: 21.05%
37
37th pctile
Total Deposits
Current: $686.0M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $847.5M · Tier avg: $1.4B
40
40th pctile
Total Loans
Current: $596.6M · Tier avg: $975.5M
57
57th pctile
Loan-to-Deposit Ratio
Current: 86.97% · Tier avg: 83.06%
58
58th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 10.24%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%