ROLLSTONE BANK & TRUST

FITCHBURG, MA · Supervised by OTS

Est. 1846FDIC #17,797

Outstanding Same

Current rating · Exam: April 2010

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.07%

Institution Profile

FDIC BankFind

Website

www.rollstonebank.com

Address

780 Main St, FITCHBURG, MA

County

Worcester County

Established

February 12, 1846

Total Assets

$836M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 19, 2010

Exam Type

Intermediate Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$836M

Total Deposits

$684M

Net Loans

$585M

Net Income

$138K

ROA

0.07%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.80%

Risk-Based Capital

14.07%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.07%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.07%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.45%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$706M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	71	71.83%	8.45%
2023	69	81.16%	8.70%
2022	107	79.44%	10.28%
2021	223	83.86%	6.73%
2020	346	88.15%	3.76%
2019	157	78.98%	5.73%
2018	81	83.95%	6.17%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 2010	Outstanding	Intermediate Small Bank
Jan 2007	Outstanding	Small Bank
Nov 2004	Outstanding	Small Bank

4 previous ratings locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/ce3745b0-bc3e-48c1-8225-792b9ee0186d"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: