🏦Bank Scorer

ROCKLAND SAVINGS BANK, FSB

ROCKLAND, ME · Supervised by OTS

Est. 1888FDIC #28,369
Satisfactory Down

Current rating · Exam: March 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

582 Main St, ROCKLAND, ME

County

Knox County

Established

January 1, 1888

Total Assets

$93M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 30, 2009

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$93M

Total Deposits

$72M

Net Loans

$79M

Net Income

$103K

ROA

0.44%

ROE

4.48%

Risk-Based Capital

15.06%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate30.21%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$73M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245,68051.62%30.21%
20235,63853.78%28.73%
20229,94359.9%22.61%
20218,87163.13%18.57%
202011,26561.73%18.59%
20198,84064.63%18.82%
20187,75261.38%24.75%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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