Bank · FDIC insured
Rollstone Bank & Trust
A $816.3M bank headquartered in Fitchburg, MA, with 7 branches in Massachusetts. Best rates: CDs 4.00% and savings 0.20% APY.
Rollstone Bank & Trust Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#33 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Rollstone Bank & Trust
Founded in 1846, Rollstone Bank & Trust is a federally chartered mutual savings bank supported by River Run Bancorp, MHC.
The bank operates branches throughout Fitchburg, and in Leominster, Harvard, Townsend, and Groton, Massachusetts.
- Headquarters
- 780 Main St, Fitchburg, MA 01420
- FDIC certificate
- 17797 ↗
Branches
7 branches in Massachusetts
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Massachusetts
7 branches
Worcester area · 5
- Fitchgate Branch486 John Fitch Hwy, Fitchburg, MA 01420Directions
- Parkhill Plaza Branch519 Electric Ave, Fitchburg, MA 01420Directions
- Harvard Branch283 Ayer Rd, Harvard, MA 01451Directions
- Central Street Branch721 Central St, Leominster, MA 01453Directions
- Monument Square Branch24 Monument Sq, Leominster, MA 01453Directions
Boston area · 2
- Groton Branch788 Boston Rd, Groton, MA 01450Directions
- Townsend Branch225 Main St, Townsend, MA 01469Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.20% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio10.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.20%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Rollstone Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.