Essex Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.69 percentage points higher than in Q1 2026, at 74.18%. Within Connecticut, Essex Bank is 7th of 27 on return on assets, 1.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Essex Bank sits 0.06 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.87% |
| Equity capital to assets | 14.27% |
| Tangible equity to tangible assets | 12.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.09% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 74.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 9.18% |
| Net interest margin | 3.73% |
| Efficiency ratio | 79.92% |
| Yield on earning assets | 4.63% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.45% |
| Core deposits to total deposits | 90.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.47% |
| Securities to assets | 9.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.74% | 1.10% | 3.84% | 0.06% | 0.00% |
| Q4 2023 | 11.07% | 0.92% | 3.74% | 0.06% | 0.00% |
| Q1 2024 | 11.34% | 0.75% | 3.50% | 0.06% | 0.00% |
| Q2 2024 | 11.31% | 0.96% | 3.55% | 0.06% | 0.00% |
| Q3 2024 | 11.83% | 1.01% | 3.54% | 0.05% | 0.00% |
| Q4 2024 | 11.98% | 0.54% | 3.45% | 0.05% | 0.00% |
| Q1 2025 | 12.04% | 0.57% | 3.39% | 0.09% | 0.00% |
| Q2 2025 | 12.13% | 0.92% | 3.53% | 1.42% | 0.00% |
| Q3 2025 | 12.45% | 1.02% | 3.70% | 1.37% | 0.00% |
| Q4 2025 | 12.61% | 1.15% | 3.85% | 1.36% | 0.00% |
| Q1 2026 | 12.78% | 0.90% | 3.65% | 1.29% | 0.00% |
| Q2 2026 | 12.87% | 1.31% | 3.73% | 1.27% | 0.00% |
Essex Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Essex Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)