Rockland Savings Bank, FSB
Rockland, ME · Cert 28369 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 1 branch
Q2 2026
$90.8MAssets
$77.9MLoans
$68.5MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating in a single state (rank 678 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.34%
Rank 657 of 746
Net Interest Margin
3.68%
Rank 372 of 746
Efficiency Ratio
87.88%
Rank 678 of 746
Equity / Assets
10.25%
Rank 393 of 746
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.72% | 1.06% | 1.45% | Beats 12% | 657 / 746 | | |
| Return on Equity | 3.35% | 6.74% | 10.51% | 13.63% | Beats 12% | 657 / 746 | | |
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 50% | 372 / 746 | | |
| Efficiency Ratio | 87.88% | 55.74% | 64.58% | 75.47% | Beats 9% | 678 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 81% | 139 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.54% | 11.55% | 13.75% | 17.60% | Beats 57% | 323 / 746 | | |
| Total Risk-Based Capital Ratio | 15.60% | 11.71% | 14.33% | 18.43% | Beats 60% | 300 / 746 | | |
| Equity / Assets | 10.25% | 8.90% | 10.51% | 13.06% | Beats 47% | 393 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 113.81% | 61.31% | 78.27% | 90.78% | 98th pctl | 16 / 746 | | |
| Loans / Assets | 85.85% | 53.60% | 66.97% | 76.08% | 96th pctl | 29 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |