Rollstone Bank & Trust
Fitchburg, MA
IDRSSD: 837608
Total Assets
$847.54M
Latest filing
Total Deposits
$686.02M
Latest filing
Net Interest Margin
1.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211370736FITCHBURG, MA
Key People
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Locations
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Main Office
Rollstone Bank & Trust
780 Main St
Fitchburg, MA 01420
Limited Service - Administrative
Updated 01/30/2026Established 02/12/1846FDIC Certificate 11746
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Rollstone Bank & Trust (Main) | 780 Main St | Fitchburg, MA |
| PARKHILL PLAZA BRANCH | 519 Electric Ave | Fitchburg, MA |
| FITCHGATE BRANCH | 486 John Fitch Hwy | Fitchburg, MA |
| HARVARD BRANCH | 283 Ayer Rd | Harvard, MA |
| TOWNSEND BRANCH | 225 Main St | Townsend, MA |
| CENTRAL STREET BRANCH | 721 Central St | Leominster, MA |
| MONUMENT SQUARE BRANCH | 24 Monument Sq | Leominster, MA |
| GROTON BRANCH | 788 Boston Rd | Groton, MA |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 02/12/1846 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01420 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.rollstonebank.com |
| Data Updated | 01/30/2026 |
| CERT | 17797 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $847.54M |
| Total Deposits | $686.02M |
| Total Liabilities | $778.19M |
| Total Equity Capital | $69.35M |
| Net Income | $-2,210,000 |
| Net Loans and Leases | $596.60M |
| Assets Per Employee ($Millions) | $9.63M |
| Bank Premises and Fixed Assets | $11.79M |
| Cash and Balances due from Depository Institutions | $13.89M |
| Deposits Held in Domestic Offices | $686.02M |
Key Performance Ratios
| Return on Assets (ROA) | -1.01% |
| Return on Equity (ROE) | -12.68% |
| Net Interest Margin | 1.83% |
| Efficiency Ratio | 232.34% |
| Tier 1 Risk-Based Capital Ratio | 12.99% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.183% |
| Earning Assets to total Assets | 92.22% |
Income and Expense
| Total Interest Income | $9.13M |
| Total Noninterest Income | $-1,787,000 |
| Total Interest Expense | $5.43M |
| Total Noninterest Expense | $4.44M |
| Net Interest Income | $3.70M |
| Pre-tax Net Operating Income | $-2,079,000 |
| Provision for Credit Losses | $-450,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $87.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.17M |
| Total Liabilities and Capital | $847.54M |
Securities
| Securities | $174.97M |
| Available-for-sale debt securities | $172.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rollstone Bank & Trust?
$847.54M as of the latest filing.
How much are Rollstone Bank & Trust's total deposits?
$686.02M in total deposits.
Where is Rollstone Bank & Trust located?
Fitchburg, MA.
What is the Net Interest Margin?
1.83%.
How many domestic offices does it operate?
8.
When was it established?
02/12/1846.
What is the Return on Assets (ROA)?
-1.01%.
How much are total loans and leases?
$596.60M (latest filing).
What is the total interest income (latest filing)?
$9.13M.