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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Rockland Trust Co.

Rockland, Massachusetts · $24.97B in assets · beside the 5 other New England banks over $10B (the state alone holds too few in the band to rank)

The filing

15.6%
Equity / assets
1st of 6
44.4%
CRE / loans
6th of 6
1.43%
ROA
1st of 6

Rockland Trust Co. is the fifth largest of the 6 New England banks over $10B, with $24.97B in assets at 30 June 2026. Loans are 89.7% of deposits, 5th of 6 against a median of 85.6%, and equity is 15.6% of assets, the highest in the cohort. Loans grew +26.6% in the year, 3rd of 6, and deposits grew 26.8%; the cohort's median loan growth is +18.4%.

Noncurrent loans are 0.56% of the book, 3rd of 6 against a median of 0.66%; 0.18% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 44.4% of loans, the highest in the cohort against a median of 35.2%, and 276% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.43%, the highest in the cohort against a median of 1.09%, on an efficiency ratio of 54.0%, 2nd of 6. Five years ago it was 1.16%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 12.0% of loans).

Commercial real estate, share of loansNew England banks over $10B · 30 June 2026 · lower is stronger, listed first
median 35.2% SS State Street Bank & Trust Co. 4.4% CB Citizens Bank National Association 15.4% WB Webster Bank National Association 34.8% EB Eastern Bank 35.6% BB Beacon Bank & Trust 43.8% RT Rockland Trust Co. 44.4%
Loans, year over yearNew England banks over $10B · 30 June 2026 · no better direction, largest first
median +18.4% BB Beacon Bank & Trust +229.1% EB Eastern Bank +27.3% RT Rockland Trust Co. +26.6% SS State Street Bank & Trust Co. +10.3% WB Webster Bank National Association +7.3% CB Citizens Bank National Association +5.5%

SBA 7(a), FY2008 to FY2026

Rockland Trust Co. is the 3rd largest 7(a) lender into Massachusetts of 309, with $426M across 1,996 loans, 6.7% of everything approved in the state (Eastern Bank leads with $778M). 3 of its 32 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Massachusetts, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Middlesex, MA$97M3rd of 1906.2%+2.5 pts
Plymouth, MA$74M2nd of 10713.2%+8.2 pts
Norfolk, MA$58M3rd of 1457.7%+6.9 pts
Worcester, MA$50M3rd of 1406.7%-2.8 pts
Essex, MA$44M5th of 1295.5%+0.2 pts
Suffolk, MA$32M3rd of 1305.0%+2.5 pts
Hillsborough, NH$32M4th of 1176.6%+8.2 pts
Barnstable, MA$30M3rd of 8410.2%+7.1 pts
Rockingham, NH$25M7th of 1084.6%+4.9 pts
Bristol, MA$25M6th of 1125.2%+1.0 pts
Providence, RI$8M19th of 991.2%thin
Berkshire, MA$5M6th of 484.4%+0.7 pts
Nassau, NY$4M72nd of 1710.3%thin
19 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade397$114M22.5%0.19%97th of 2,589
Manufacturing203$61M12.0%0.15%117th of 2,246
Construction377$59M11.5%0.18%87th of 2,063
Accommodation & food services262$58M11.5%0.08%201st of 2,596
Professional & technical services190$37M7.3%0.11%123rd of 1,955
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Rockland Trust Co.
EB Eastern Bank 12.2% $778M · 8,606 loans LO Live Oak Banking Company 6.9% $442M · 354 loans RT Rockland Trust Company 6.7% $426M · 1,996 loans TB TD Bank, National Association 4.6% $295M · 2,208 loans CB Citizens Bank, National Associati… 4.1% $261M · 1,649 loans BB Beacon Bank and Trust 3.8% $246M · 1,377 loans WB Webster Bank National Association 3.1% $202M · 579 loans SF Salem Five Cents Savings Bank 2.8% $179M · 667 loans Ma Manufacturers and Traders Trust C… 2.2% $142M · 794 loans LB Leader Bank, National Association 2.0% $126M · 675 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Rockland Trust Co.RankCohort median
Total CRE against capital, the 300% screen276%5th of 6254%
Construction against capital, the 100% screen50%6th of 618%
Construction and land development, share of loans8.1%6th of 62.6%
Non-owner-occupied nonfarm nonresidential, share of loans24.5%5th of 618.4%
Total CRE, the guidance definition, share of loans44.4%6th of 635.2%
CRE growth over 36 months, the third prong+19.4%4th of 6+14.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
State Street Bank & Trust Co.$412.62B1.0%67.6%0.56%0.16%0.3%16.1%7.1%
Citizens Bank National Association$232.52B1.0%60.6%1.36%0.37%1.3%79.1%11.4%
Webster Bank National Association$85.90B1.2%49.9%0.76%0.29%1.3%81.9%11.4%
Eastern Bank$31.13B1.1%60.7%0.47%0.17%1.4%89.2%13.0%
Rockland Trust Co.$24.97B1.4%54.0%0.56%0.06%1.1%89.7%15.6%
Beacon Bank & Trust$22.20B1.1%59.9%0.90%0.31%1.3%95.6%11.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Rockland Trust Co.Cohort median
20212026Change20212026Change
Loans$8.96B$18.42B+105%$15.54B$37.85B+144%
Deposits$12.05B$20.53B+70%$21.60B$48.41B+124%
NPA / loans0.53%0.56%+0.03 pts0.55%0.66%+0.12 pts
Efficiency59.5%54.0%-5.5 pts60.3%60.2%-0.1 pts
ROA1.16%1.43%+0.26 pts1.27%1.09%-0.17 pts

This read was prepared for Rockland Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Rockland Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort New England banks over $10B
Institution www.rocklandtrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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