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Rockland Trust Company
Rockland, MA·FDIC Cert #9712·Charter: STATE·Est. 19070910.0·HC: INDEPENDENT BANK CORP
Total Assets
$24.9B
Q4 2025
Return on Assets
1.03%
+0.10%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.01%
Peer avg: 53.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.03%+0.10
ROE
6.61%+0.63
Efficiency
58.01%-0.82
Equity/Assets
0.00%+0.00
NPL Ratio
0.46%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.59%+1.06
Charge-offs
0.34%-0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.0 | 1.0 | 1.0 | 1.1 | 0.9 | 1.0 |
| ROE | 6.8 | 7.0 | 6.7 | 6.7 | 6.1 | 6.8 | 6.0 | 6.6 |
| Efficiency | 58.2 | 57.6 | 57.1 | 57.4 | 57.9 | 57.3 | 58.8 | 58.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.7 | 0.7 | 0.6 | 0.4 | 0.5 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 1.1 | 0.7 | 0.4 | 0.3 |
| Loan/Deposit | 94.0 | 92.2 | 91.5 | 93.0 | 90.2 | 89.0 | 89.5 | 90.6 |
Balance Sheet
Total Assets$24.9B
Total Deposits$20.3B
Total Loans$18.3B
Total Equity$3.9B
Profitability
ROA1.03%
ROE6.61%
Efficiency Ratio58.01%
Net Income$224.5M
Risk & Asset Quality
NPL Ratio0.46%
Charge-off Rate0.34%
Loan/Deposit90.59%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans