Rollstone Bank & Trust
Fitchburg, MA
IDRSSD: 837608
Total Assets
$905.04M
Latest filing
Total Deposits
$687.81M
Latest filing
Net Interest Margin
1.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Rollstone Bank & Trust
780 Main St
Fitchburg, MA 01420
Limited Service - Administrative
Updated 11/14/2025Established 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 | 98 |
| 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 | 11/14/2025 |
| CERT | 17797 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $905.04M |
| Total Deposits | $687.81M |
| Total Liabilities | $834.95M |
| Total Equity Capital | $70.09M |
| Net Income | $-2,327,000 |
| Net Loans and Leases | $630.00M |
| Assets Per Employee ($Millions) | $10.17M |
| Bank Premises and Fixed Assets | $11.26M |
| Cash and Balances due from Depository Institutions | $15.89M |
| Deposits Held in Domestic Offices | $687.81M |
Key Performance Ratios
| Return on Assets (ROA) | -1.01% |
| Return on Equity (ROE) | -13.27% |
| Net Interest Margin | 1.58% |
| Efficiency Ratio | 304.96% |
| Tier 1 Risk-Based Capital Ratio | 13.234% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.744% |
| Earning Assets to total Assets | 92.72% |
Income and Expense
| Total Interest Income | $9.52M |
| Total Noninterest Income | $-1,878,000 |
| Total Interest Expense | $6.15M |
| Total Noninterest Expense | $4.55M |
| Net Interest Income | $3.37M |
| Pre-tax Net Operating Income | $-2,674,000 |
| Provision for Credit Losses | $-384,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $142.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.71M |
| Total Liabilities and Capital | $905.04M |
Securities
| Securities | $195.38M |
| Available-for-sale debt securities | $193.88M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$905.04M as of the latest filing.
How much are Rollstone Bank & Trust's total deposits?
$687.81M in total deposits.
Where is Rollstone Bank & Trust located?
Fitchburg, MA.
What is the Net Interest Margin?
1.58%.
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?
$630.00M (latest filing).
What is the total interest income (latest filing)?
$9.52M.