# ROCKLAND TRUST CO
ROCKLAND, MA · FDIC certificate 9712 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $24.97B | |
| Deposits | $20.53B | |
| Loans and leases | $18.42B | |
| Total equity | $3.89B | |
| Loans / deposits | 88.77% (p62 of band) | 85.78% |
| Liquid assets / assets | 17.26% (p26 of band) | |
| Uninsured deposits / deposits | 33.49% (p37 of band) | 38.39% |
| Brokered deposits | 0.24% | |
| Wholesale funding | 1.11% (p11 of band) | |
| FHLB advances / assets | 0.82% | |
| Tier 1 leverage | 11.83% (p88 of band) | 10.17% |
| Unrealized securities loss / equity | -4.76% (p68 of band) | -7.43% |
| AOCI / equity | -0.49% (p40 of band) | |
| ROA (annualized) | 1.41% (p68 of band) | 1.24% |
| Net interest margin | 3.98% (p77 of band) | 3.57% |
| Efficiency ratio | 51.41% (p38 of band) | |
| Noncurrent loans | 0.56% (p42 of band) | 0.66% |
| Net charge-offs (annualized) | 0.05% (p35 of band) | |
| Reserve coverage of noncurrent | 189.02% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 38.27% (p60 of band) | |
| Auto loans | $158,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $17.3M (0% of equity) (p22 of band) | |
| Deposits YoY | 26.8% | |
| Employees | 2269 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 2 | charge-offs p90 |  |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | charge-offs p90 |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-12-09 [Rockland Trust parent to acquire Enterprise Bank in $562M deal - Providence Business News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMjJ4Y01SMkYycVdnNkdUYTBxRXpfVkttZGdPNV9UOVIweEE5cUpQdlU2T0RURFhXM3FDa3liaFVNaXZVY29mTUNGamcyWm8zZWY2d2NuX1ViM0F1ajYyWXRDQVEtNHI5cDdfNl9JeW5sVjlDamljWWU0ejVsajdUWmdSbErSAYwBQVVfeXFMTjAwamlZajUtM1V3b19aVFQwSDdibW5sNkxnc09nbWdLelRHMWFVaUFPOWk4LVMtU0V5aWc0YV92LXRxRDBVSDRZRE4tOXFjcFFXdG5IWDh0TDN0cFc1d2stTE1TSWhqUUs3bEVLdDR2aHBaTEdkUmlIcW9ydjhZTi1JeGY0WWdlYTZaejg?oc=5) · Providence Business News
- 2023-01-10 [Rockland Trust names new CEO - Worcester Business Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTFBXbmlaMmZ3Y1FjeGh2MkxJV0hKT2UxbVhVanY1NGhFNkZFbXF6c3dBX0hybi1XVmxia21TaXJLQVZVOU5IV1otajBrc0pNeXJndEhnd05RaXZ2ZTNQb2FvbDN0eXlUNzQ3UU1j?oc=5) · Worcester Business Journal
- 2024-12-09 [Rockland Trust to merge with Lowell-based bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMmhZV1ZQQzk0SFRzcGVpN29Nb3hHRjB5TkNLSTdHc1lzRnNKVnJ5WEpvVnBIYjdZQU9DS2ZUZ19zVmtIU2hvNko5c1UzUUJSN2prYW1KVzJwQS1VZmNoRXUtR1NId3FEUlkwUlNzTDdvSnd4ZU9TSkpSaFR4TDg5ZzRkaXRGT1J2ZDFlMUVVcWFYX21RV2tIVGNwUWRXMHp0Q1QtTg?oc=5) · The Business Journals
- 2023-02-26 [How Two Acquisitions Set Rockland Trust Up for Success - Banker & Tradesman](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZHctS0NURklnM216VEVNNnU2bldnSC1VbkFEZk1fNkNPRi1tMFEzejM2dW00RlZlT21ScGRjTzU1UXQ1OUg1dlVveEdrV0pMZnN4d2h1UllhWjJYTDZKUmFMcjJVSERNLTJsWkNqOFVNc21tTU5KWE82WU1wbGhrRGJDTGcwY1ptdGhaMVd1UQ?oc=5) · Banker & Tradesman
- 2024-12-09 [Independent Bank in Massachusetts to acquire peer for $562M - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSlpuaFhheDVHVXk0NXJtQlZydDZHYWVTWVJfX0FDZUlycmJhdWRsNkd5NXdCajRfTzcxOVItYllPMzBaajFLMWtjNXpLTWVubVBmNEJyTTFxb0ZkVExaV2hoVnV4VTVSTzJtUXppYWVmbmZzWHZ0V3RmWS1ST1pncmk5QXJvdE1Vem5LVDB0Q1RDYWZNMFREejdn?oc=5) · American Banker
- 2025-07-18 [Rockland Trust CEO: No immediate plans for further acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTWFQNlRVZElyV2o4V1ZvSmdzVHBPRHZNaTZwa3FiWDFxSElPNE5ZRTZtam85Z1NZdE1mQ3BxUWZWb3ZPdE16QzljZWZzbXdLdEdYVC12SkNqWDF5QnM4MUZDSTRZLTFHdFJ3OThEeFBuZmR1VE5pUmlBVVBqNVVaTUgzb1ZfaUhVLWdoNEh0ZWF5ZFVVdWIycXpn?oc=5) · The Business Journals
- 2022-04-28 [Rockland Trust parent company reports $53M Q1 profit driven by acquisition - Providence Business News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMVg0RlFJR0xMcDZQQklHNGhXUWtDaTFWbWNhMTlMUV9QVS0xYUg0NjJpb3RHUFhIZ25qMGZlSndxcWN6eVV4Szh4ZDI2ZEF3SEFQZkRRUEs3VnlxblptMHpDUG5CZkVrZ2FBZS14TktMUmdlZEIwS09ucmpqRW8wYW9WZklla1B3cGdPTkNsc1V6YXFF0gGcAUFVX3lxTE9mMXVWTC0wZG1GQlZ3ME9ibXJxUC05Wi1TNXpETUNqaEhXa0hBWGE0LVdFbEs5U293MFF2U0ZVeld3NzRjX0NoX19RRURZMWVuYjdTaXBMU0dMYzg5QkJSOFpQdjd4ZGlsOGRXc200cFlQOV9kdk9UdDJKQ3BWRjNObjJPQUJYRUhieEUzZnJNVkt2cDF3cUdpRlNQMw?oc=5) · Providence Business News
- 2025-11-12 [Salem Five launches private banking practice, hires rival bank exec to lead it - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWS1PQjJ5Z1N2UmF1WGFMd0tacEFYUnVYY0M2N0ZYRTlOT0F5cFRSNzVOTEdtc3ktajF5LWRXYWx1QXozNmdIa0JSY3dtb1gzTFZOZGhzWTk3TFBxUldHUG5aUFpQS0xVaXB6N2E2VU9ObzFsZ3IxOXV5TUd6d0REVUFfdmhONXdidlBmdDJvMlBVZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9712 (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/48.json (key "9712", 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