BlastPoint's Banking Scorecard

Rockland Trust Company

$10B-$250B Specialty: Commercial MA FDIC cert 9712

Rockland, MA

152 branches across MA · NH

137 banks in the $10B-$250B peer group nationally 3 in MA

Rockland Trust Company shows strong momentum with 4 strengths and 24.6% YoY asset growth

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

+ ROA 0.15% above tier average
+ Net Interest Margin 0.22% above tier average
+ Efficiency Ratio 1.93% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$24.8B +24.6% YoY -0.5% QoQ	-$22.2B	$47.0B -1.9% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$18.3B +27.1% YoY -0.5% QoQ	-$11.1B	$29.4B -0.4% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$20.2B +27.2% YoY -0.1% QoQ	-$18.2B	$38.4B -1.6% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	1.43% +49.6% YoY +38.9% QoQ	+0.15%	1.28% +18.7% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.00% +16.5% YoY +5.0% QoQ	+0.22%	3.77% +5.8% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	52.07% -10.0% YoY -10.2% QoQ	-1.93%	54.01% -3.7% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.53% -15.1% YoY +16.3% QoQ	-0.49%	1.02% -3.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	90.17% -0.1% YoY -0.5% QoQ	+9.39%	80.79% +1.9% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	28.71% -2.4% YoY +0.9% QoQ	+8.67%	20.04% +0.2% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.40% -11.5% YoY +15.8% QoQ	-0.32%	0.72% +4.2% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	14.77% -3.5% YoY +1.8% QoQ	-0.74%	15.51% -0.4% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.16% +1.3% YoY -72.2% QoQ	-0.06%	0.22% +0.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 4.00%

Peer Median: 3.77%

#29 of 137 Top 20.4% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 28.71%

Peer Median: 20.04%

#33 of 137 Top 23.4% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available