Rollstone Bank and Trust

780 Main Street
Fitchburg, MA 01420
978/345-1061
www.rollstonebank.com

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Rollstone Bank and Trust is headquartered in Fitchburg and is the 51^st largest bank in the state of Massachusetts. It is also the 1,254^th largest bank in the nation. It was established in 1846 and as of March of 2012, it had grown to 105 employees at 7 locations. Rollstone Bank and Trust has a 4-star health rating.

Top CD & Savings Account Rates at Rollstone Bank & Trust in MA - Local Only - 10/1/2010

Rollstone Bank & Trust is offering a special 35-month CD and IRA CD with a 2.50% APY. Minimum deposit is $100. This rate is listed in the bank's deposit rates table as of the morning of 10/01/2010 ...

3.50% 48-Month CD at Rollstone Bank & Trust in MA - Local Only - 12/20/2009

Update 1/09/2010: The 48-month CD special is no longer listed at the bank's website.Rollstone Bank & Trust is offering two CD specials. The most competitive is the 48-month CD special which has a 3.50% APY. The short-term special has a 1.50% APY for...

2.02% 9-Month CD at Rollstone Bank & Trust in MA - Local Only - 10/5/2009

Rollstone Bank & Trust is offering two competitive short-term CD specials: a 1.75% APY 7-month CD and a 2.02% APY 9-month CD. Minimum deposit is $1,000. The 9-month CD is also available in an IRA. These specials are listed in the bank's deposit rates...

2.75% 9-Month CD & 2.50% 5-Month CD at Rollstone Bank & Trust in Massachusetts - 4/19/2009

Rollstone Bank & Trust is offering two competitive CD specials: a 2.75% APY 9-month CD with a $100 minimum deposit and a 2.50% APY 5-month CD with a $5,000 minimum deposit. These rates are listed on the bank's rate table as of 4/19/09. The bank also...

2007

11/11 - 2.75% Reward Checking Account at a MA Bank (Rollstone Bank and Trust)

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See Rates for: Checking | Savings | Money Market | CD | IRA

Rollstone Bank and Trust Checking Account Rates

Apy	Min	Max	Product
1.51%	$100	$25k	All-In-One Checking - Qualifying
0.05%	$100	-	NOW Account

Rollstone Bank and Trust Savings Account Rates

Apy	Min	Max	Product
0.30%	$60k	-	Prime Saver
0.25%	$60k	-	Savings Account
0.25%	$60k	-	iSave Kids Accounts
0.25%	$60k	-	Club Accounts

Rollstone Bank and Trust Money Market Rates

Apy	Min	Max	Product
0.50%	$1m	-	Commercial Money Market
0.30%	$60k	-	Money Market

Rollstone Bank and Trust CD Rates

Apy	Min	Max	Product
1.10%	$100	-	35 Month Fixed CD Special
1.10%	$100	-	Business 35 Month Fixed CD Special
1.00%	$1k	-	37 - 47 Month CD
1.00%	$1k	-	48 - 60 Month CD
1.00%	$1k	-	Business 37 - 47 Month CD
1.00%	$1k	-	Business 48 - 60 Month CD
0.80%	$1k	-	18 - 36 Month CD
0.80%	$1k	-	Business 18 - 36 Month CD
0.75%	$1k	-	12 - 17 Month CD
0.75%	$1k	-	Business 12 - 17 Month CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	Business 6 Month CD
0.25%	$1k	-	3 Month CD
0.25%	$60k	-	9 Month Smart Saver CD
0.25%	$1k	-	Business 3 Month CD
0.25%	$60k	-	Business 9 Month Smart Saver CD

Rollstone Bank and Trust IRA Rates

Apy	Min	Max	Product
1.10%	$100	-	35 Month Fixed IRA Special
1.10%	$100	-	35 Month Fixed Roth IRA Special
1.10%	$100	-	35 Month Fixed CESA Special
1.10%	$1k	-	7 Month Variable CESA
1.10%	$1k	-	7 Month Variable IRA
1.10%	$1k	-	7 Month Variable Roth IRA
1.00%	$1k	-	37 - 47 Month IRA
1.00%	$1k	-	48 - 60 Month IRA
1.00%	$1k	-	37 - 47 Month Roth IRA
1.00%	$1k	-	48 - 60 Month Roth IRA
1.00%	$1k	-	37 - 47 Month CESA
1.00%	$1k	-	48 - 60 Month CESA
0.80%	$1k	-	18 - 36 Month CESA
0.80%	$1k	-	18 - 36 Month IRA
0.80%	$1k	-	18 - 36 Month Roth IRA
0.75%	$1k	-	12 - 17 Month IRA
0.75%	$1k	-	12 - 17 Month Roth IRA
0.75%	$1k	-	12 - 17 Month CESA
0.50%	$1k	-	6 Month IRA
0.50%	$1k	-	6 Month Roth IRA
0.50%	$1k	-	6 Month CESA
0.25%	$1k	-	3 Month IRA
0.25%	$1k	-	3 Month Roth IRA
0.25%	$1k	-	3 Month CESA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Rollstone Bank & Trust
OTS #	07794
FDIC Certificate #	17797
BankRate Report	View
Year Established	1846
Employees	105
Primary Regulator	OCC
Assets and Liabilities
Assets	$537.78 million
Loans	$324.87 million
Deposits	$306.02 million
Equity Capital	$52.30 million
Loan Loss Allowance	$4.29 million
Unbacked Noncurrent Loans	$6.45 million
Real Estate Owned	$738,000
Historic Data - March 2011
Assets	$528.56 million
Equity Capital	$48.08 million
Loan Loss Allowance	$4.34 million
Unbacked Noncurrent Loans	$3.48 million
Real Estate Owned	$1.07 million
Profit Margin - Quarterly
Net Interest Margin	2.71%
Return on Assets	0.53%
Return on Equity	5.49%
Interest Income	$5.14 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Rollstone Bank and Trust had $7.19 million in non-current loans and owned real-estate with $56.59 million in equity and loan loss allowances on hand to cover it. This gives Rollstone Bank and Trust a Texas Ratio of 12.70% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Rollstone Bank and Trust held steady from 8.66% as of March 31, 2011 to 12.70% as of March 31, 2012, resulting in a negative change of 46.61%. This indicates that the balance sheet and financial strength for Rollstone Bank and Trust has held steady in recent periods.
Deposit Growth
In the past year, Rollstone Bank and Trust has increased its total deposits by $7.7 million, resulting in 2.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Rollstone Bank and Trust has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Rollstone Bank and Trust has $537.78 million in assets with $56.59 million in equity, resulting in a capitalization level of 10.52%, which is above average.