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Bank, Rockland, MA

Rockland Trust Company

A bank based in Rockland, MA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$12.3B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
95
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
543
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$25.0B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.rocklandtrust.comFrom the FDIC record, November 9, 2026.
Commercial lending page
rocklandtrust.comFrom the lender's website, retrieved November 11, 2026.
Names it files under
ROCKLAND TRUST BANK; Rockland TrustFDIC institution record,
Address
288 Union St, Rockland, MA 02370FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Rockland Trust Company originated 95 multifamily loans in 2025, versus 46 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 1 opened, 1 closed, 0 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 217 under Preferred Lender authority, 194 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $2.5B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 12.6% to $4.5B in the year to June 30, 2026. Includes loans from acquiring Enterprise Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 60.9% to $2.2B in the year to June 30, 2026. Includes loans from acquiring Enterprise Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Multifamily balance rose 32.6% to $2.2B in the year to June 30, 2026. Includes loans from acquiring Enterprise Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 79.0% to $1.6B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
July 1, 2025 Acquired Enterprise Bank and Trust Company on July 1, 2025.FDIC structure history. FDIC history,
2024 Reported making 1,721 small business loans totaling $395.9M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Rockland Trust CompanyNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026MassachusettsSBA 7(a), Full-Service Restaurants$1.3M6.75%10 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Convenience Retailers$720K6.75%20 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Snack and Nonalcoholic Beverage Bars$390K8.25%10 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), All Other Amusement and Recreation Industries$230K8.75%7 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Snack and Nonalcoholic Beverage Bars$110K8.75%7 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Child Care Services$95K7.75%5 yrSBA FOIA
Sep 2026MassachusettsSBA 7(a), Snack and Nonalcoholic Beverage Bars$50K8.75%10 yrSBA FOIA
Aug 2026MassachusettsSBA 7(a), All Other Amusement and Recreation Industries$3.8M6.5%10 yrSBA FOIA
Aug 2026New HampshireSBA 7(a), Couriers and Express Delivery Services$1.3M6.75%10 yrSBA FOIA
Jun 2026New HampshireSBA 504, Transportation and Warehousing$660K25 yrSBA FOIA
May 2026New HampshireSBA 504, Arts, Entertainment, and Recreation$1.3M25 yrSBA FOIA
May 2026MassachusettsSBA 504, Full-Service Restaurants$220K25 yrSBA FOIA
Apr 2026MassachusettsSBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers)$2M25 yrSBA FOIA
Apr 2026MassachusettsSBA 504, Manufacturing$1M25 yrSBA FOIA
Mar 2026MassachusettsSBA 504, Construction$1.3M25 yrSBA FOIA
Mar 2026New HampshireSBA 504, Retail Trade$850K25 yrSBA FOIA
Feb 2026MassachusettsSBA 504, Professional, Scientific, and Technical Services$360K25 yrSBA FOIA
2025Grafton County, NHPurchase, 50 to 99 units$3.3M6.97%5 yr75%HMDA 2025
2025Bristol County, MARefinance, 25 to 49 units$840K7.04%5 yr30%HMDA 2025
2025Plymouth County, MAPurchase, 5 to 24 units$600K7.05%10 yr75%HMDA 2025
2025Middlesex County, MAPurchase, 5 to 24 units$800K7.38%10 yr64%HMDA 2025
2025Suffolk County, MARefinance, 5 to 24 units$1.1M6.75%10 yr32%HMDA 2025
2025Middlesex County, MAPurchase, 5 to 24 units$700K8.25%2 yr59%HMDA 2025
2025Bristol County, MAPurchase, 5 to 24 units$500K6.75%5 yr41%HMDA 2025
2025Middlesex County, MAPurchase, 5 to 24 units$1.5M6.75%10 yr69%HMDA 2025
423 SBA 7(a) loans since October 2023, net of cancelled$145MSBA FOIA

A blank means the source did not report it.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$2.17B11.8%+32.6%
Construction and land development$1.49B8.1%+78.0%
Owner-occupied CRE$2.21B12.0%+60.9%
Non-owner-occupied CRE$4.52B24.5%+12.6%
Farmland$1.55M0.0%-46.9%
Commercial and industrial$1.90B10.3%+21.8%
Commercial total$12.3B
FDIC call report,

Includes loans from acquiring Enterprise Bank and Trust Company in the window, so growth reflects the acquisition as well as new lending.

Reference only: $5.41B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$9.53B
Q4 2023$9.46B
Q1 2024$9.51B
Q2 2024$9.38B
Q3 2024$9.33B
Q4 2024$9.45B
Q1 2025$9.43B
Q2 2025$9.42B
Q3 2025$12.4B
Q4 2025$12.4B
Q1 2026$12.4B
Q2 2026$12.3B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202595$283M$1.10M$52MHMDA,
Multifamily, 5 or more units202446$145M$960KHMDA,
1-4 unit investor or business purpose2025435$229M$375KHMDA,
SBA 7(a), net of cancelled36 months to Sep 2026423$145M$195K$3.8MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202696$35.1MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 2026120$99.7M$561K$6.1MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: name and state; name and lender office city).

SBA loans by industry, 36 months
IndustryLoansDollars
Full-Service Restaurants58$24.2M
Beer, Wine, and Liquor Retailers28$13.2M
Fitness and Recreational Sports Centers27$6.33M
Manufacturing17$8.49M
Limited-Service Restaurants16$3.99M
All Other Specialty Trade Contractors12$5.36M
Health Care and Social Assistance12$4.83M
General Automotive Repair12$3.65M
Electrical Contractors and Other Wiring Installation Contractors12$1.51M
New Single-Family Housing Construction (except For-Sale Builders)11$2.16M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for retail stores, SBA lenders for gyms and fitness businesses.

Programs on record: Federal Home Loan Bank member, Boston district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Rockland Trust Company reported making 1,721 small business loans totaling $395,907,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 868 of $100,000 or less, 279 over $100,000 up to $250,000, 574 over $250,000 up to $1 million.
  • 722 of them, totaling $90,833,000, went to businesses with revenue of $1 million or less.
  • Rockland Trust Company reported making 5 small farm loans totaling $294,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 4 of $100,000 or less, 1 over $100,000 up to $250,000, 0 over $250,000 up to $500,000.
  • 3 of them, totaling $36,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 40 loans, $19,601,000.
CountyLoansTotal
Plymouth County, MA470$94.9M
Norfolk County, MA260$61.4M
Middlesex County, MA177$44.1M
Bristol County, MA162$34.5M
Barnstable County, MA149$21.8M
Suffolk County, MA148$34.2M
Worcester County, MA98$21.0M
Essex County, MA64$22.3M
Dukes County, MA34$4.67M
Providence County, RI31$11.3M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Rockland Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $314,968,000 for 1-4 family residential construction and $1,284,543,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $2,107,530,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less5,609$154M
Over $100,000 up to $250,000994$128M
Over $250,000 up to $1 million1,170$402M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less182$8.24M
Over $100,000 up to $250,000731$91.3M
Over $250,000 up to $1 million2,408$989M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less1$27.0K
Over $100,000 up to $250,0002$220K
Over $250,000 up to $500,0002$387K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less54$758K
Over $100,000 up to $250,0007$477K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Massachusetts HQ1438339335193
New Hampshire84175020
Rhode Island0716114
Connecticut00071
Maine01410
Florida00500
Maryland00010
New Jersey00010
New York00010
Pennsylvania00001
Utah00001
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Suffolk County, MA26$77.2M
Middlesex County, MA22$44.2M
Bristol County, MA19$64.2M
Plymouth County, MA16$15.5M
Worcester County, MA15$39.1M
Providence County, RI12$36.3M
Norfolk County, MA10$26.7M
Essex County, MA10$18.5M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Boston, MA52$119M
Cambridge-Newton-Framingham, MA32$62.7M
Providence-Warwick, RI-MA31$100M
Worcester, MA15$39.1M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Rockland Trust Company has 150 offices in 12 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 148 full service and 2 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Middlesex County, MA281
Plymouth County, MA261
Suffolk County, MA200
Norfolk County, MA190
Barnstable County, MA120
Essex County, MA100
Worcester County, MA100
Bristol County, MA80
Dukes County, MA40
Hillsborough County, NH40
Rockingham County, NH40
Nantucket County, MA30
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$446M$129M to $504M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital275.0%226.6% to 423.2% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital50.1%15.4% to 107.2% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits89.7%69.9% to 113.0% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$1.60B$534M to $2.26B across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 79.0% from a year earlier.FDIC call report,
Loans to assets73.8%59.8% to 87.4% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
217 loans (51.3%)
SBA Express
194 loans
Approval to first disbursement
15.5 days, median of 362

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Beacon Bank and TrustMA$22.2B$13.3B
Eastern BankMA$31.1B$13.3B
Salem Five Cents Savings BankMA$8.82B$3.78B
Needham BankMA$7.42B$4.54B
Wilmington Savings Fund Society, FSBDE$22.6B$8.81B
Simmons BankAR$24.7B$13.6B
Provident BankNJ$25.7B$16.7B
WesBanco Bank, Inc.WV$27.7B$13.3B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Rockland Trust Company, FDIC certificate 9712. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $25.0B in total assets and $12.3B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 1,119 recorded loans from HMDA and SBA files, through September 30, 2026: 95 HMDA multifamily 2025, 46 HMDA multifamily 2024, 435 HMDA 1-4 unit investor 2025, 423 SBA 7(a) in 36 months, 120 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Rockland Trust Company]
  4. Phone and website. No phone number is on record. Website rocklandtrust.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 1,721 small business loans reported in its CRA filing for 2024. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
FDIC
FDIC certificate
9712
RSSD
613008
LEI
TKT6FH38184ZYBTPKS77
The Lender Report ID
lr_000096
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Boston-Cambridge-Newton, MA-NH

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $25B in total assets as of June 30, 2026 (FDIC call report).
  • Held $12.3B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $4.5B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 12.6% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $2.2B of owner-occupied commercial real estate loans as of June 30, 2026, up 60.9% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Held $2.2B of multifamily loans as of June 30, 2026, up 32.6% from a year earlier, including loans acquired in a merger (FDIC call report).
  • Originated 95 multifamily loans totaling $283M in 2025 (HMDA).
11 more sentences
  • Originated 46 multifamily loans totaling $144.8M in 2024 (HMDA).
  • Originated 435 1-4 unit investor or business-purpose loans totaling $229.1M in 2025 (HMDA).
  • Recorded 462 SBA 7(a) approvals totaling $155.2M from October 1, 2023 to September 30, 2026, of which 39 were later cancelled (SBA).
  • Provided the first lien on 133 SBA 504 projects with $109.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 13 were later cancelled (SBA).
  • Listed 151 offices in 2 states (FDIC).
  • Reported making 1,721 small business loans totaling $395.9M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 5 small farm loans totaling $294K in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Independent Bank Corp reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $2.5B of loans originated in fiscal 2026 (SEC filing).
  • Held 7,773 commercial and industrial loans that were $1 million or less when made, with a balance of $684.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 3,321 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $1.1B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $315M for 1-4 family and $1.3B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.

Cite this

Source: The Lender Report, Rockland Trust Company, https://lender.report/lender/rockland-trust-ma/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Work at Rockland Trust Company? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem