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Rockland Savings Bank, FSB

under $100M Specialty: Mortgage ME FDIC cert 28369

Designations: ✓ Community bank ✓ Mutual

Rockland, ME

541 banks in the under $100M peer group nationally 1 in ME
View under $100M leaderboard (ME) →

Rockland Savings Bank, FSB has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 3.78% below tier average
  • + Delinquency Rate 1.28% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 45.59% above tier average
  • - ROA 0.39% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when Rockland Savings Bank, FSB releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $93.0M
-0.5% YoY -0.0% QoQ
+$30.9M $62.2M
-0.6% YoY
$2.2B
+5.5% YoY
$6.2B
+9.1% YoY
Top 8.9% in tier
Total Loans ? $78.9M
-1.6% YoY -0.0% QoQ
+$44.7M $34.2M
-1.4% YoY
$1.7B
+6.5% YoY
$3.2B
+10.8% YoY
Top 1.1% in tier
Total Deposits ? $71.9M
-1.0% YoY -1.1% QoQ
+$20.1M $51.7M
-0.7% YoY
$1.7B
+2.2% YoY
$4.8B
+8.2% YoY
77%
Return on Assets ? 0.44%
+418.3% YoY +276.1% QoQ
-0.39% 0.84%
-2.3% YoY
0.81%
+48.6% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 3.74%
+6.6% YoY +8.3% QoQ
-0.12% 3.86%
+2.8% YoY
3.42%
+9.8% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 84.56%
-12.1% YoY -12.1% QoQ
-3.78% 88.34%
+0.3% YoY
70.43%
-11.2% YoY
66.95%
-4.1% YoY
27%
Delinquency Rate ? 0.09%
-16.8% YoY -7.7% QoQ
-1.28% 1.37%
+33.8% YoY
0.56%
+20.7% YoY
0.95%
+18.8% YoY
64%
Loan-to-Deposit Ratio ? 109.80%
-0.6% YoY +1.1% QoQ
+45.59% 64.22%
-0.7% YoY
100.20%
+2.7% YoY
76.70%
+0.9% YoY
Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ? 20.13%
+34.6% YoY +3.7% QoQ
-3.58% 23.71%
+0.3% YoY
16.54%
+3.4% YoY
22.01%
-1.2% YoY
38%
Nonperforming Asset Ratio ? 0.08%
-17.8% YoY -7.7% QoQ
-0.71% 0.79%
+28.2% YoY
0.47%
+26.7% YoY
0.67%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 14.04%
+7.9% YoY +3.5% QoQ
-12.64% 26.68%
+2.0% YoY
14.56%
+2.5% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.05%
+2.7% YoY -76.8% QoQ
-0.62% 0.67%
+1.9% YoY
0.13%
+1.6% YoY
0.32%
+4.1% YoY
41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

7
Total Loans
size
Value: $78.93M
Peer Median: $34.25M
#7 of 541 Top 1.1% in under $100M
49
Total Assets
size
Value: $93.01M
Peer Median: $62.16M
#49 of 541 Top 8.9% in under $100M
123
Total Deposits
size
Value: $71.89M
Peer Median: $51.74M
#123 of 541 Top 22.6% in under $100M

Top Weaknesses (1 metrics)

524
Loan-to-Deposit Ratio
liquidity
Value: 109.80%
Peer Median: 64.22%
#524 of 541 Bottom 3.3% in under $100M
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