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

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
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