Headquartered in Fitchburg, Massachusetts, Rollstone Bank & Trust is a state-chartered bank with $816.3M in total assets and $677.3M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1846.
Rollstone Bank & Trust has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 55th. Problem-loan coverage contributes the most (97/100, 1.5%); earnings contributes the least (23/100, 0.07%).
TellerScore · Q2 2026
Scorecard
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 5 points (57 → 62), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 58 |
| Q2 2025 | 57 |
| Q3 2025 | 55 |
| Q4 2025 | 56 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.05% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.76% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.50% |
| Q3 2025 | 9.31% |
| Q4 2025 | 9.42% |
| Q1 2026 | 9.96% |
| Q2 2026 | 10.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.16% |
| Q1 2025 | -0.23% |
| Q2 2025 | -0.24% |
| Q3 2025 | -0.45% |
| Q4 2025 | -0.59% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $816.3M | 10.13% | 0.20% | 0.07% | 84.7% |
| Q1 2026 | 62 | $836.0M | 9.96% | 0.09% | 0.07% | 85.5% |
| Q4 2025 | 56 | $847.5M | 9.42% | 0.06% | -0.59% | 87.0% |
| Q3 2025 | 55 | $905.0M | 9.31% | 0.10% | -0.45% | 91.6% |
| Q2 2025 | 57 | $931.3M | 9.50% | 0.11% | -0.24% | 93.2% |
| Q1 2025 | 58 | $930.3M | 9.61% | 0.10% | -0.23% | 91.2% |
| Q4 2024 | 62 | $912.4M | 9.76% | 0.10% | 0.16% | 93.9% |
| Q3 2024 | 63 | $916.9M | 9.86% | 0.07% | 0.24% | 94.2% |
| Q2 2024 | 65 | $899.5M | 10.05% | 0.05% | 0.41% | 93.9% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Monson Savings BankBank Monson, MA | 66 out of 100, Moderate | $806.3M | 9.5% | 0.23% | vs |
| Savers Co-operative BankBank Southbridge, MA | 40 out of 100, Below average | $783.2M | 11.3% | 3.64% | vs |
| The Bank of CantonBank Canton, MA | 70 out of 100, Strong | $782.5M | 14.4% | 0.90% | vs |
| Clinton Savings BankBank Clinton, MA | 58 out of 100, Moderate | $744.7M | 9.7% | 0.50% | vs |
| The Savings BankBank Wakefield, MA | 62 out of 100, Moderate | $891.0M | 9.4% | 0.17% | vs |
| Mechanics Cooperative BankBank Taunton, MA | 77 out of 100, Strong | $898.8M | 12.4% | 0.03% | vs |
Deposit insurance
Is my money safe at Rollstone Bank & Trust?
Yes. Rollstone Bank & Trust is an FDIC-insured institution (FDIC certificate #17797). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($198.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.28% (benchmark: 10%).
8 locations
Branches
Rollstone Bank & Trust lists 7 offices in 5 cities. Most locations:
- Fitchburg, MA (2)
- Leominster, MA (2)
- Groton, MA (1)
- Harvard, MA (1)
- Townsend, MA (1)
HMDA 2025
Mortgage lending
In 2025, Rollstone Bank & Trust reported 32 home-loan applications under HMDA (LEI 54930040WE4NGYGGO143): 22 originated ($8,010,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Rollstone Bank & Trust
- Former names
- Fitchburg Savings Bank; Fitchburg Savings Bank, FSB
- Type
- State-chartered bank
- FDIC certificate #
- 17797
- RSSD ID
- 837608
- Primary regulator
- FDIC
- Holding company
- River Run Bcorp Mhc
- Established
- February 12, 1846
- Headquarters
- 780 Main St, Fitchburg, MA 01420
- Website
- www.rollstonebank.com
- Employees
- 90
Quick answers
Rollstone Bank & Trust: common questions
Is Rollstone Bank & Trust FDIC insured?
Yes. Rollstone Bank & Trust is an FDIC-insured institution (FDIC certificate #17797). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rollstone Bank & Trust's TellerScore?
62 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 Rollstone Bank & Trust ever failed?
There is no failure record for FDIC certificate #17797 in the FDIC failed bank list.
How many branches does Rollstone Bank & Trust have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fitchburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Leominster Employees Federal Credit UnionCredit union Leominster, MA | 80 out of 100, Strong | $30.0M | 11.2% | 0.01% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |