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Essex Bank
Essex, CT · FDIC Certificate #17262 · Chartered 08/0
Total assets
$536.62M
Total deposits
$447.93M
Total equity
$76.60M
Net loans
$365.82M
Branches (offices)
8
Net income (YTD)
$2.91M
Rank: #1,700 of 4,213 U.S. banks by assets · #21 of 26 in Connecticut. Assets changed 4.6% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 7.75% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 14.27% |
| Tier 1 leverage ratio | 12.87% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 81.7% |
| Real estate loans (share of loans) | 93.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $343.50M | 93.9% | |
| Commercial & industrial | $25.58M | 7.0% | |
| Consumer / individual | $68.00K | 0.0% | |
| Construction & development | $30.27M | 8.3% | |
| Agricultural | $93.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $545.95M | $481.26M | $1.20M | $54.78M |
| Jun 2023 | $505.32M | $435.32M | $2.63M | $58.58M |
| Jun 2024 | $510.21M | $435.70M | $2.17M | $64.61M |
| Jun 2025 | $513.07M | $432.01M | $1.90M | $69.93M |
| Jun 2026 | $536.62M | $447.93M | $2.91M | $76.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $447.93M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $447.93M.
Similar-sized banks
Homestead Bank ($537.00M) · First Nations Bank ($536.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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