ESSEX BANK

ESSEX, CT | Medium | Est. Aug. 6, 1851, midnight | FDIC #17262 | RSSD #961400 | FDIC
Latest Report: 2025-12-31

ESSEX BANK is amn medium FDIC-insured commercial bank headquartered in ESSEX, CT, established in Aug. 6, 1851, midnight. As of 2025-12-31, the bank reported total assets of $520M and total deposits of $435M. Profitability stands at 1.17% ROA and 8.25% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 9.34%. Asset quality metrics show a non-performing loan ratio of 1.36% and a Texas Ratio of 6.50%. FDIC Certificate #17262.

Assets

$520M

Deposits

$435M

Loans

$367M

Equity

$74M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 8.25%
Net Interest Margin (NIM) 3.94%
Yield on Assets 4.85%
Cost of Funds 0.99%

Asset Quality

NPL Ratio 1.36%
Net Charge-Off Ratio --
Texas Ratio 6.50%
NPA Ratio 0.96%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 9.34%
Tier 1 Capital 9.34%
Total Capital Ratio 9.81%
Leverage Ratio 12.61%
Loan-to-Deposit 84.39%

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