Essex Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Essex Bank of Essex, CT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 9.18% | 13.32% | -4.14% | 31st below |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 79.92% | 61.13% | +18.79% | 14th bottom |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 4.63% | 5.67% | -1.04% | 12th bottom |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.94% | +0.33% | 22nd bottom |
| NPA / Total Assets | 0.88% | 0.70% | +0.18% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 74.18% | 1539.51% | -1465.33% | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.09% | 7.33% | -0.24% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.87% | 12.14% | +0.73% | 74th above |
| Equity / Assets | 14.27% | 11.37% | +2.90% | 85th top |
| TCE / Tangible Assets | 12.01% | 11.09% | +0.92% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.45% | 80.64% | +1.81% | 46th below |
| Core Deposit Ratio | 90.99% | 86.86% | +4.13% | 61st above |
| Wholesale Funding Ratio | 0.41% | 5.04% | -4.63% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.59% | 6.85% | -2.26% | 51st above |
| Loan Growth (Y/Y) | 1.24% | 7.91% | -6.67% | 27th below |
| Deposit Growth (Y/Y) | 3.68% | 6.29% | -2.61% | 47th below |
See Essex Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Essex Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Essex Bank profile, how to read a UBPR, or how this data updates.