Rockland Savings Bank FSB
Rockland, Maine · FDIC Cert #28369
Rockland Savings Bank FSB is an FDIC-insured bank (Certificate #28369) with $96M in total assets and $71M in total deposits as of the Q2 2024 Call Report. Headquartered in Rockland, Maine, the bank maintains a Tier 1 capital ratio of 12.76% (Well-Capitalized) and a nonperforming loan ratio of 0.17%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Rockland Savings Bank FSB (FDIC cert 28369) is a community bank — $96M in total assets, $71M in deposits, serving the Rockland, Maine area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.76% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.17% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 10.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is negative: ROA of -0.41% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Rockland Savings Bank FSB carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Rockland Savings Bank FSB
- Total Assets
- $96M
- Total Deposits
- $71M
- Tier 1 Capital Ratio
- 12.76%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.17%
- Liquidity Ratio
- 10.13%
- Return on Assets
- -0.41%
- Headquarters
- Rockland, Maine
- FDIC Certificate
- #28369
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Rockland Savings Bank FSB holds a Tier 1 capital ratio of 12.76%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Rockland Savings Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Rockland Savings Bank FSB shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Rockland Savings Bank FSB Compares
Rockland Savings Bank FSB’s Health Score of 63 is 1 points below the Maine state average of 64 across 20 FDIC-insured banks. Its 12.76% Tier 1 capital ratio is 1.2 points below the US banking industry average near 14%. The 0.17% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.41% is below the national ROA benchmark of ~1.1%. Among 1054 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Rockland Savings Bank FSB is 7 points below the portfolio average of 70.
Frequently Asked Questions
Rockland Savings Bank FSB has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.76%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Rockland Savings Bank FSB's Tier 1 capital ratio of 12.76% and nonperforming loan ratio of 0.17% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Rockland Savings Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28369). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Rockland Savings Bank FSB holds $96M in total assets and $71M in total deposits. It is headquartered in Rockland, Maine (FDIC Certificate #28369).
Rockland Savings Bank FSB has a Tier 1 capital ratio of 12.76%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.17%, and the return on assets is -0.41%.
Yes. Rockland Savings Bank FSB is FDIC-insured (Certificate #28369). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Rockland Savings Bank FSB's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.