Essex Bank
Essex, CT · Cert 17262 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 185 of 743).
- Widest gap: efficiency ratio trails 86% of banks under $1B in assets operating in a single state (rank 640 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.08%
Rank 360 of 746
Net Interest Margin
3.46%
Rank 465 of 746
Efficiency Ratio
82.46%
Rank 640 of 746
Equity / Assets
14.27%
Rank 126 of 746
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 14% 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% | 1.06% | 1.45% | Beats 52% | 360 / 746 | |
| Return on Equity | 7.59% | 6.74% | 10.51% | 13.63% | Beats 31% | 516 / 746 | |
| Net Interest Margin | 3.46% | 3.17% | 3.68% | 4.16% | Beats 38% | 465 / 746 | |
| Efficiency Ratio | 82.46% | 55.74% | 64.58% | 75.47% | Beats 14% | 640 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.09% | 0.42% | 1.07% | Beats 21% | 589 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.55% | 13.75% | 17.60% | Beats 40% | 450 / 746 | |
| Total Risk-Based Capital Ratio | 12.87% | 11.71% | 14.33% | 18.43% | Beats 35% | 483 / 746 | |
| Equity / Assets | 14.27% | 8.90% | 10.51% | 13.06% | Beats 83% | 126 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 82.45% | 61.31% | 78.27% | 90.78% | 59th pctl | 308 / 746 | |
| Loans / Assets | 68.82% | 53.60% | 66.97% | 76.08% | 54th pctl | 340 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |