Essex Bank
Essex, CT · Cert 17262 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
SI · FDIC · 8 branches
Q2 2026
$536.6MAssets
$369.3MLoans
$447.9MDeposits
$76.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
- Widest gap: efficiency ratio trails 85% of banks under $1B in assets operating in a single state (rank 642 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.08%
Rank 369 of 752
Net Interest Margin
3.46%
Rank 470 of 752
Efficiency Ratio
82.46%
Rank 642 of 752
Equity / Assets
14.27%
Rank 134 of 752
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.72% | 1.07% | 1.45% | Beats 51% | 369 / 752 | |
| Return on Equity | 7.59% | 6.78% | 10.58% | 13.65% | Beats 31% | 521 / 752 | |
| Net Interest Margin | 3.46% | 3.18% | 3.69% | 4.17% | Beats 38% | 470 / 752 | |
| Efficiency Ratio | 82.46% | 55.75% | 64.49% | 75.47% | Beats 15% | 642 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.09% | 0.42% | 1.03% | Beats 20% | 597 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.55% | 13.75% | 17.60% | Beats 40% | 453 / 752 | |
| Total Risk-Based Capital Ratio | 12.87% | 11.70% | 14.33% | 18.47% | Beats 35% | 488 / 752 | |
| Equity / Assets | 14.27% | 8.93% | 10.56% | 13.13% | Beats 82% | 134 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 82.45% | 62.23% | 78.64% | 91.26% | 57th pctl | 321 / 752 | |
| Loans / Assets | 68.82% | 54.61% | 67.41% | 76.47% | 53rd pctl | 350 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |