# ROCKLAND SAVINGS BANK FSB
ROCKLAND, ME · FDIC certificate 28369 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $90.8M | |
| Deposits | $68.5M | |
| Loans and leases | $77.9M | |
| Total equity | $9.3M | |
| Loans / deposits | 112.90% (p98 of band) | 73.59% |
| Liquid assets / assets | 11.50% (p6 of band) | |
| Uninsured deposits / deposits | 7.85% (p8 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.89% (p90 of band) | |
| FHLB advances / assets | 13.77% | |
| Tier 1 leverage | 9.67% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -2.71% (p66 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.34% (p13 of band) | 1.17% |
| Net interest margin | 3.80% (p43 of band) | 3.93% |
| Efficiency ratio | 87.88% (p88 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 3694.12% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 34.76% (p68 of band) | |
| Auto loans | $244,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | loans exceed deposits |  |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 3 | losing money, charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 1 |  | losing money, charge-offs p90, capital falling |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 | losing money | charge-offs p90 |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 3 | noncurrent p90 | charge-offs p90 |
| 2015-12 | 5 | charge-offs p90, assets shrinking |  |
| 2016-03 | 5 | deposits shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90, assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 2 | uninsured deposits leaving | assets shrinking |
| 2017-03 | 3 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2017-06 | 6 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-09 | 6 | reserve under noncurrent | liquid assets <10% |
| 2017-12 | 6 | loans exceed deposits, capital falling | assets shrinking, uninsured deposits leaving |
| 2018-03 | 3 | charge-offs p90 | deposits shrinking, reserve under noncurrent, loans exceed deposits, capital falling |
| 2018-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2018-09 | 5 | capital falling | losing money |
| 2018-12 | 3 | uninsured deposits leaving | charge-offs p90, liquid assets <10%, capital falling |
| 2019-03 | 4 | liquid assets <10% |  |
| 2019-06 | 2 |  | uninsured deposits leaving, liquid assets <10% |
| 2019-09 | 2 | capital falling | loans exceed deposits |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | losing money |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | losing money, deposits shrinking, assets shrinking |  |
| 2022-06 | 2 |  | deposits shrinking, assets shrinking |
| 2022-09 | 1 |  | losing money |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | losing money |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 5 | loans exceed deposits, uninsured deposits leaving |  |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 6 | wholesale funding >15%, deposits shrinking |  |
| 2024-09 | 4 |  | capital falling, wholesale funding >15% |
| 2024-12 | 3 |  | deposits shrinking |
| 2025-03 | 1 |  | expense ratio p90, losing money |
| 2025-06 | 2 | expense ratio p90 |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | expense ratio p90 |
| 2026-06 | 2 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-04 [Maine’s commercial real estate sales for the month of October 2024 - mainebiz.biz](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQS14T0k3SkRXSERqbGpJbTNZYkZhdHJjVWY5N0czVkdvVC1meXdqeGhSX3pYNTVUdzF3d21NZmRsMUZoVWxTVTgxd3pqYWVHeTdJbG1SYVZZTGU5R2dFZmF5RE81QjVQYThXY2tBal9SZzJCTWpGUmpLbV9NYmwwMXdPOFFfd012RVFSRUkxRFZmX1hrbW9OYmYzYw?oc=5) · mainebiz.biz
- 2018-01-11 [Lobsterman who builds his own traps won 50 more in the Lobster Trap Tree Giveaway - PenBay Pilot](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZXpDdm41ckZvWlRkNVc0QW9WM2dFT2JTYTQxa25GRzRSdzB0WGdOQWd3OUk2aVBKYS1hWkFvNXEtZkRYSE5hUjNqMVpRZElCN0EtbjhXYkdXOHRnUnFRVm10ZEl5RHl1N1FYU0t6WHNYVW9BMW9xVXdVWG1CXzdzOU9tLW1ZcjViRVB1RXBUaGpobnlyT2F2dzU5N1NFVEN3X2phNzk4eGdubkoxcVRMQndvQkFjRm8?oc=5) · PenBay Pilot

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28369 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "28369", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide