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

Rollstone Bank & Trust

Fitchburg, Massachusetts · $816M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

53.6%
CRE / loans
12th of 12
0.07%
ROA
12th of 12
99.1%
Efficiency
12th of 12

Rollstone Bank & Trust is the sixth largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $816M in assets at 30 June 2026. Loans are 85.4% of deposits, 4th of 12 against a median of 89.5%, and equity is 8.6% of assets, 10th of 12. Loans grew -12.9% in the year, the slowest in the cohort, and deposits fell 4.1%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.20% of the book, 5th of 12 against a median of 0.28%; 0.21% is 30 to 89 days past due, and the allowance covers them 4.5 times. Commercial real estate is 53.6% of loans, the highest in the cohort against a median of 39.0%, and 341% of capital, above the 300% screen, with construction at 14% against the 100% screen.

Return on assets is 0.07%, the lowest in the cohort against a median of 0.50%, on an efficiency ratio of 99.1%, the highest in the cohort. Five years ago it was 1.00%. 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 12.8% of loans).

Commercial real estate, share of loansMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 39.0% WC Winchester Coop Bank 12.3% GC Greenfield Coop Bank 20.8% CS Clinton Savings Bank 28.1% SB Savings Bank 29.0% SA Stonehambank A Coop Bank 33.6% MS Monson Savings Bank 36.1% EB Eagle Bank 41.9% Bo Bank of Canton 43.2% MF Middlesex Federal Savings Fa 44.2% MC Mechanics Coop Bank 48.3% SC Savers Coop Bank 48.8% RB Rollstone Bank & Trust 53.6%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% MF Middlesex Federal Savings Fa +0.0% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% RB Rollstone Bank & Trust -12.9%

SBA 7(a), FY2008 to FY2026

Rollstone Bank & Trust is the 191st largest 7(a) lender into Massachusetts of 309, with $2M across 15 loans, 0.0% of everything approved in the state (Eastern Bank leads with $778M). 2 of its 3 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
Worcester, MA$1M75th of 1400.2%thin
Middlesex, MA$743K132nd of 1900.0%quiet FY2014
Hillsborough, NH$110K104th of 1170.0%quiet FY2011
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
Manufacturing6$711K30.6%0.00%1532nd of 2,246
Accommodation & food services1$510K21.9%0.00%1900th of 2,596
Construction1$293K12.6%0.00%1655th of 2,063
Professional & technical services3$270K11.6%0.00%1477th of 1,955
Health care & social assistance1$250K10.8%0.00%1721st of 2,172
7(a) lenders into Massachusetts, share of approvals since FY2008309 lenders on record; the ten largest and Rollstone Bank & Trust
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 RB Rollstone Bank & Trust 0.0% $2M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers; owner-occupied excluded; bold marks a screen met
Rollstone Bank & TrustRankCohort median
Total CRE against capital, the 300% screen341%11th of 12279%
Construction against capital, the 100% screen14%2nd of 1255%
Construction and land development, share of loans2.2%1st of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans48.7%12th of 1216.2%
Total CRE, the guidance definition, share of loans53.6%12th of 1239.0%
CRE growth over 36 months, the third prong-18.6%2nd of 12+17.8%

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
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Middlesex Federal Savings Fa$654M0.1%93.1%0.04%0.00%1.2%92.5%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Rollstone Bank & TrustCohort median
20212026Change20212026Change
Loans$547M$579M+6%$473M$600M+27%
Deposits$722M$677M-6%$580M$678M+17%
NPA / loans0.15%0.20%+0.05 pts0.38%0.28%-0.11 pts
Efficiency74.3%99.1%+24.8 pts75.1%76.2%+1.2 pts
ROA1.00%0.07%-0.92 pts0.66%0.50%-0.16 pts

This read was prepared for Rollstone Bank & Trust'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 Rollstone Bank & Trust 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 MA banks $300M to $1B
Institution www.rollstonebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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