Essex Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 5.80 percentage points in Q2 2026, from 112.91% to 118.71%. It was the largest change from Q1 2026 among the key lines here. Essex Bank ranks 22nd of 27 Connecticut banks on loan-to-deposit ratio, in the lower half at 82.45% (Q2 2026). At 82.45%, Essex Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.3M |
| Net loans and leases | $365.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.82% |
| Loan-to-deposit ratio | 82.45% |
| Net loans to equity capital | 4.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.24% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 6.93% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.71% |
| Construction concentration (Tier 1 capital + allowance) | 42.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $334.9M | $423.7M | 25.81% | 7.79% | 0.18% |
| Q4 2023 | $331.0M | $433.6M | 25.64% | 7.98% | 0.16% |
| Q1 2024 | $331.8M | $432.1M | 25.04% | 8.07% | 0.12% |
| Q2 2024 | $339.8M | $435.7M | 23.79% | 8.44% | 0.10% |
| Q3 2024 | $350.0M | $411.9M | 22.70% | 8.57% | 0.04% |
| Q4 2024 | $358.2M | $422.1M | 22.84% | 8.06% | 0.03% |
| Q1 2025 | $358.2M | $433.1M | 22.46% | 7.20% | 0.02% |
| Q2 2025 | $364.8M | $432.0M | 22.48% | 7.39% | 0.02% |
| Q3 2025 | $370.7M | $423.0M | 23.91% | 7.14% | 0.03% |
| Q4 2025 | $366.9M | $434.7M | 25.45% | 7.20% | 0.02% |
| Q1 2026 | $370.7M | $439.7M | 26.02% | 7.47% | 0.02% |
| Q2 2026 | $369.3M | $447.9M | 25.24% | 6.93% | 0.02% |
Essex Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Essex Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Essex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17262) · FFIEC NIC profile (RSSD 961400)