BlastPoint's Banking Scorecard

Essex Bank

$100M-$1B Specialty: Commercial CT FDIC cert 17262

Designations: ✓ Mutual

Essex, CT

8 branches across CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
Deposits +3.7% year over year ($447.9M on the books).
Delinquency rate 1.28%.
Return on assets 1.10%.
Efficiency ratio 82.46% vs a 64.48% peer average.
Loan-to-deposit ratio 81.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in CT

View $100M-$1B leaderboard (CT) →

Essex Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 13.0% in tier
+ Non-Interest-Bearing Deposit Share 15.02% above tier average

Key Concerns

Areas that may need attention

- ROA 0.22% below tier average
- Net Interest Margin 0.27% below tier average
- Efficiency Ratio 17.98% above tier average
- Delinquency Rate 0.37% above tier average

Get updates when Essex Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$536.6M +4.6% YoY +2.1% QoQ	+$150.1M	$386.6M +1.2% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$365.8M +1.2% YoY -0.4% QoQ	+$107.5M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$447.9M +3.7% YoY +1.9% QoQ	+$121.2M	$326.7M +0.7% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	1.10% +47.4% YoY +23.3% QoQ	-0.22%	1.32% +10.8% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.71% +5.7% YoY +1.3% QoQ	-0.27%	3.99% +5.0% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	82.46% -4.7% YoY -3.2% QoQ	+17.98%	64.48% -3.2% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	Bottom 11.6% in tier
Delinquency Rate ?	1.28% -10.6% YoY -1.6% QoQ	+0.37%	0.92% +15.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	81.67% -2.4% YoY -2.2% QoQ	+3.72%	77.95% +1.0% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	37.05% +0.2% YoY -2.2% QoQ	+15.02%	22.03% -0.6% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	Top 7.0% in tier
Nonperforming Asset Ratio ?	0.88% -13.6% YoY -3.9% QoQ	+0.21%	0.67% +16.4% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	12.87% +6.1% YoY +0.7% QoQ	-3.04%	15.91% +1.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	2.66% +11.2% YoY +105.4% QoQ	+2.10%	0.57% +7.6% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	Top 1.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Noninterest-Bearing	37.1% +0.1pp YoY -0.8pp QoQ	+14.9pp	22.1%	22.1%	22.2%	93%
Brokered Deposits	n/a	n/a	7.9%	8.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	7.0% -0.5pp YoY -0.5pp QoQ	-4.6pp	11.6%	11.4%	12.5%	33%
CRE	37.9% -0.3pp YoY -0.3pp QoQ	-1.7pp	39.5%	42.4%	41.4%	48%
1-4 Family	56.0% +0.8pp YoY +0.9pp QoQ	+23.4pp	32.6%	42.2%	31.3%	87%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.1%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.0%	19.7%	n/a
Leverage Ratio	12.9% +0.7pp YoY +0.1pp QoQ	+0.7pp	12.2%	12.7%	12.6%	74%
Total Capital Ratio	n/a	n/a	19.9%	16.0%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	135 +2 (+1.5%) YoY +3 (+2.3%) QoQ	+76	58	342	482	96%
Assets per Employee ($)	$4.0M +3.0% YoY -0.2% QoQ	-$3.5M	$7.5M	$9.9M	$8.8M	4%
Branch Count	8 0 YoY 0 QoQ	+3	4	19	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.3% -0.2pp YoY 0.0pp QoQ	+0.3pp	0.9%	0.7%	1.0%	78%
Allowance Coverage	0.74x +18.8% YoY +3.8% QoQ	-23.41x	24.15x	4.87x	20.23x	19%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	7.8% +2.2pp YoY +1.5pp QoQ	-4.4pp	12.2%	8.2%	11.6%	24%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.7%	1.7%	8%
Net Income ($, YTD)	$2.9M +52.9% YoY — QoQ	+$351K	$2.6M	$28.0M	$40.4M	69%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#87 of 661 • Top 13.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.66%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.10%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.66%

Peer Median: 0.57%

#36 of 2643 Top 1.3% in $100M-$1B

186

Non-Interest-Bearing Deposit Share

funding

Value: 37.05%

Peer Median: 22.03%

#186 of 2643 Top 7.0% in $100M-$1B

645

Total Loans

size

Value: $365.82M

Peer Median: $258.35M

#645 of 2643 Top 24.4% in $100M-$1B

660

Total Assets

size

Value: $536.62M

Peer Median: $386.57M

#660 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (3 metrics)

2338

Efficiency Ratio

profitability

Value: 82.46%

Peer Median: 64.48%

#2338 of 2643 Bottom 11.6% in $100M-$1B

2040

Delinquency Rate

credit_quality

Value: 1.28%

Peer Median: 0.92%

#2040 of 2633 Bottom 22.6% in $100M-$1B

2017

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2017 of 2643 Bottom 23.7% in $100M-$1B