BlastPoint's Banking Scorecard
Rockland Trust Company
Rockland, MA
151 branches across MA · NH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in MA.
- Deposits +26.8% year over year ($20.5B on the books).
- Delinquency rate 0.57%.
- Return on assets 1.41%.
- Efficiency ratio 51.41% vs a 53.67% peer average.
- Loan-to-deposit ratio 88.77% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rockland Trust Company shows strong momentum with 3 strengths and 24.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Efficiency Ratio 2.26% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.0B
+24.5% YoY
+0.7% QoQ
|
-$18.6B |
$43.6B
-13.8% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$18.2B
+26.5% YoY
-0.2% QoQ
|
-$9.7B |
$28.0B
-8.6% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$20.5B
+26.8% YoY
+1.4% QoQ
|
-$14.9B |
$35.4B
-14.0% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.41%
+33.0% YoY
-1.0% QoQ
|
+0.02% |
1.39%
+25.9% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.98%
+14.3% YoY
-0.4% QoQ
|
+0.06% |
3.92%
+8.9% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
51.41%
-10.3% YoY
-1.3% QoQ
|
-2.26% |
53.67%
-1.9% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.57%
+45.8% YoY
+7.4% QoQ
|
-0.45% |
1.01%
-2.8% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
88.77%
-0.2% YoY
-1.6% QoQ
|
+6.16% |
82.61%
+3.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
28.47%
-5.0% YoY
-0.8% QoQ
|
+7.89% |
20.58%
+4.9% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.42%
+43.0% YoY
+4.4% QoQ
|
-0.32% |
0.73%
+5.8% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.85%
-3.2% YoY
+0.6% QoQ
|
-0.50% |
15.35%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.33%
-0.0% YoY
+101.1% QoQ
|
-0.17% |
0.50%
+10.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.5%
-1.5pp YoY -0.2pp QoQ |
+7.4pp | 21.0% | 16.2% | 22.2% | 76% |
| Brokered Deposits |
0.3%
0.0pp YoY +0.3pp QoQ |
-8.9pp | 9.2% | 6.1% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-0.4pp YoY +0.2pp QoQ |
-6.7pp | 17.2% | 6.5% | 12.5% | 27% |
| CRE |
57.0%
+2.5pp YoY -0.6pp QoQ |
+15.0pp | 42.0% | 40.3% | 41.4% | 79% |
| 1-4 Family |
29.7%
-1.7pp YoY +0.3pp QoQ |
+6.6pp | 23.1% | 52.4% | 31.3% | 74% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-12.7pp | 12.9% | 1.6% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
-0.5pp YoY +0.1pp QoQ |
-0.4pp | 15.3% | 16.6% | 19.7% | 76% |
| Leverage Ratio |
11.8%
-0.1pp YoY +0.1pp QoQ |
+1.4pp | 10.4% | 11.5% | 12.6% | 87% |
| Total Capital Ratio |
15.8%
-0.4pp YoY +0.1pp QoQ |
-0.7pp | 16.5% | 17.5% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,269
+421 (+22.8%) YoY +82 (+3.7%) QoQ |
-989 | 3,258 | 755 | 482 | 57% |
| Assets per Employee ($) |
$11.0M
+1.4% YoY -2.9% QoQ |
-$16.0M | $27.0M | $10.7M | $8.8M | 41% |
| Branch Count |
151
+26 (+20.8%) YoY -1 (-0.7%) QoQ |
+13 | 137 | 13 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.7% | 0.8% | 1.0% | 47% |
| Allowance Coverage |
1.89x
-26.6% YoY -4.1% QoQ |
-0.92x | 2.81x | 7.95x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.1%
-0.6pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+2.3pp YoY -0.1pp QoQ |
-3.6pp | 12.6% | 5.6% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 2.0% | 2.0% | 1.7% | 13% |
| Net Income ($, YTD) |
$175.9M
+67.4% YoY — QoQ |
-$120.9M | $296.8M | $31.7M | $40.4M | 54% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.