TellerScore

Rockland Savings Bank, FSB (FDIC certificate #28369) is based in Rockland, Maine. Its Q2 2026 call report shows $90.8M in total assets and $68.5M in deposits and 1 office.

Based on its Q2 2026 filing, Rockland Savings Bank, FSB scores 63/100, which we describe as moderate. That is higher than only 22% of 546 banks with under $100 million in assets. Among 22 banks headquartered in Maine, it ranks 17th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (34/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.67%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 112.9% · 7.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (59 → 63), mostly because the earnings component improved by 10 points.

TellerScore
545963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202456
Q4 202454
Q1 202558
Q2 202559
Q3 202559
Q4 202560
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.34%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.05%
Q3 20249.06%
Q4 20249.00%
Q1 20259.12%
Q2 20259.19%
Q3 20259.24%
Q4 20259.30%
Q1 20269.46%
Q2 20269.67%
Noncurrent loans
0.02%0.14%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.17%
Q4 20240.26%
Q1 20250.11%
Q2 20250.11%
Q3 20250.14%
Q4 20250.10%
Q1 20260.09%
Q2 20260.02%
Return on assets
-0.32%0.06%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.32%
Q3 2024-0.21%
Q4 2024-0.32%
Q1 20250.09%
Q2 20250.10%
Q3 20250.14%
Q4 20250.12%
Q1 20260.44%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$90.8M9.67%0.02%0.34%112.9%
Q1 202663$93.0M9.46%0.09%0.44%109.8%
Q4 202560$93.0M9.30%0.10%0.12%108.6%
Q3 202559$93.6M9.24%0.14%0.14%106.6%
Q2 202559$93.2M9.19%0.11%0.10%108.5%
Q1 202558$93.5M9.12%0.11%0.09%110.5%
Q4 202454$93.8M9.00%0.26%-0.32%108.1%
Q3 202456$94.5M9.06%0.17%-0.21%106.9%
Q2 202454$95.7M9.05%0.17%-0.32%114.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.67%
15th
Total risk-based capital15.60%
63rd
Problem loans0.02%
67th
Net charge-offs-0.01%
83rd
Return on assets0.34%
23rd
Net interest margin3.80%
46th
Efficiency ratio87.9%
20th
Loans to deposits112.9%
2nd
Uninsured deposits7.8%
85th
Loan-loss reserves0.81%
19th
Texas ratio0.2%
68th

Deposit insurance

Is my money safe at Rockland Savings Bank, FSB?

Yes. Rockland Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #28369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.8% of deposits ($5.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.60% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Rockland Savings Bank, FSB lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rockland Savings Bank, FSB
Former names
Rockland Savings and Loan Association
Type
Savings bank
FDIC certificate #
28369
RSSD ID
95677
Primary regulator
OCC
Established
January 1, 1888
Headquarters
582 Main St, Rockland, ME 04841
Employees
17

Quick answers

Rockland Savings Bank, FSB: common questions

Is Rockland Savings Bank, FSB FDIC insured?

Yes. Rockland Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #28369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Rockland Savings Bank, FSB's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Rockland Savings Bank, FSB ever failed?

There is no failure record for FDIC certificate #28369 in the FDIC failed bank list.

How many branches does Rockland Savings Bank, FSB have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rockland

InstitutionScoreAssetsCapitalProblem loansCompare
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
The Camden National BankBank Camden, ME69 out of 100, Moderate$6.9B9.1%0.24%vs
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs
First National BankBank Damariscotta, ME64 out of 100, Moderate$3.2B9.2%0.75%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs