Essex Bank
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Data as of · sourced from FFIEC call reports. How we update
Essex Bank is an FDIC-insured savings bank headquartered in Essex, CT, established in 1851 (FDIC certificate 17262), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $536.6M, up 4.6% from Q2 2025, the 21st largest of 27 banks headquartered in Connecticut. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17262
- Headquarters
- Essex, CT
- Established
- 1851
- Total assets, Q2 2026
- $536.6M
- Assets vs Q2 2025
- +4.6%
- Tier 1 leverage ratio, Q2 2026
- 12.87%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 211170376
- Latest call report
- Q2 2026, FFIEC 051 · Essex Bank call report
- Asset rank in state
- 21st of 27 in Connecticut
Essex Bank, based in Essex, Connecticut, reported $537 million in assets at June 30, 2026, up 4.6% from a year earlier. It pays an average of 1.04% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.7 million, 47% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.27% of loans, down from 1.42% a year earlier.
As of June 30, 2026, Essex Bank reported a return on assets of 1.31%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 7.09%. The figures come from its call report filed with the FFIEC.
Essex Bank ranks as the 21st largest of the 27 banks based in Connecticut, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $536.6M, loans fell 0.4% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.5% of total loans, followed by owner-occupied commercial real estate loans at 14.8%. Its 8 offices in the FDIC Summary of Deposits are in 5 cities in CT; its Essex 4 offices book 40% of its branch deposits. Judged on its Q2 2026 call report, Essex Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 35 Plains Rd, Essex, CT 06426
- County
- Lower Connecticut River Valley
- Metro Area
- Hartford-West Hartford-East Hartford, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 6, 1851
- Former names
- Essex Savings Bank (1976-2025)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $447.9M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $530.9M
- Average total loans
- $371.7M
- Average interest-bearing deposits
- $260.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- October 2, 1953
- FDIC Cert
- 17262
- Fed RSSD
- 961400
- Website
- www.essex.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Essex Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Essex Bank's total assets moved between a low of $489.2M (Q3 2024) and a high of $536.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$536.6M total assets against $513.1M; $460.0M total liabilities against $443.1M.
$365.8M net loans and leases against $361.5M; $447.9M total deposits against $432.0M.
$51.6M securities against $52.5M; $85.1M cash and balances due against $66.0M.
$5.7M total interest income against $5.5M; $1.1M total interest expense against $1.2M.
$4.6M net interest income against $4.2M.
$7.5M total noninterest income against $6.4M; $9.7M total noninterest expense against $8.9M.
$60K provision for credit losses against $60K.
$1.7M net income against $1.2M.
1.31% return on assets against 0.92%; 3.73% net interest margin against 3.53%.
12.87% tier 1 leverage ratio against 12.13%.
Inside the full Essex Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEssex Bank rankings
Its closest position to the top of a national ranking is 937 of 3,640, for Texas Ratio; its furthest is 3,239 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.31% (Q2 2026) and its net interest margin ran from 3.39% (Q1 2025) to 3.85% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 1.31% | 1.27% | 7.09% | 3.73% |
| Q1 2026 | 12.78% | 0.90% | 1.29% | 7.44% | 3.65% |
| Q4 2025 | 12.61% | 1.15% | 1.36% | 7.92% | 3.85% |
| Q3 2025 | 12.45% | 1.02% | 1.37% | 8.36% | 3.70% |
| Q2 2025 | 12.13% | 0.92% | 1.42% | 8.75% | 3.53% |
| Q1 2025 | 12.04% | 0.57% | 0.09% | 0.57% | 3.39% |
| Q4 2024 | 11.98% | 0.54% | 0.05% | 0.29% | 3.45% |
| Q3 2024 | 11.83% | 1.01% | 0.05% | 0.30% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Essex Bank (main office) | Essex , CT | 06426 | $139.1M |
| Old Lyme Branch | Old Lyme , CT | 06371 | $84.5M |
| Old Saybrook Branch | Old Saybrook , CT | 06475 | $69.9M |
| Madison Branch | Madison , CT | 06443 | $65.9M |
| Chester Branch | Chester , CT | 06412 | $47.2M |
| Main Street Branch | Essex , CT | 06426 | $38.0M |
| Plains Road Branch | Essex , CT | 06426 | $3.2M |
| Trust Office | Essex , CT | 06426 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CT, rank 35 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 58 loans originated, $20.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Essex Bank
What are Essex Bank's total assets?
As of the Q2 2026 filing, Essex Bank reported total assets of $536.6 million in its FFIEC call report.
Where is Essex Bank headquartered?
It is headquartered in Essex, CT, United States.
When was Essex Bank founded?
It was established in 1851, per the FDIC institution directory.
Is Essex Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17262). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Essex Bank?
Essex Bank's primary federal regulator is the FDIC.
How many branches does Essex Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Essex Bank's Texas Ratio?
Its Texas Ratio is 7.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Essex Bank previously called?
The charter now named Essex Bank has also operated as Essex Savings Bank (1976-2025), per FDIC structure-change records.
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