FDIC Cert #17262 · Essex, Connecticut · Est. 1851

Essex Bank - FDIC Bank Health Profile

A community-scale look at Essex Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$520M
Total assets
B
Health grade · Good
0.92%
Return on assets
12.6%
Tier 1 capital

Data updated July 2026

The verdict

Essex Bank earns a PlainBankData health grade of B (65/100), with well-capitalized at 12.61% Tier 1, 0.92% ROA, 84% efficiency ratio.

#1,739
largest of 4,313 FDIC banks by assets
60th
percentile by asset size, nationally
12.61%
Tier 1 ratio - above the 10% well-capitalized line
37th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17262 · CT B · 65/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (65/100)
  • LOWER-Q #3520/4307
  • PHOTO-FINISH The Sherwood State B… · OH
  • TIER1-WELL 12.6% Tier 1
  • TEXAS-CLEAN 6.5% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Connecticut: The Sherwood State Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Essex Bank

Lowest and highest poles plus nearest scored peers outside Connecticut, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Essex Bank · CT · this bank65/100Madison Valley Bank · MT · n…65/100The Antwerp Exchange… · OH ·…65/100The Farmers State Ba… · IL ·…65/100The Sherwood State B… · OH ·…65/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Essex Bank · July 2026

Plate reading for Essex Bank where failures stay rare

Essex Bank (FDIC Cert #17262) carries a PlainBankData health grade of B at 65/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,520 of 4,307. Tier 1 capital prints at 12.61%, clearing the 10% well-capitalized line. The Texas Ratio is 6.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $520M, 1,739th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Sherwood State Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Essex Bank

Only 2 FAILURE resolutions in Connecticut since 2000

Essex Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE COMMUNITY'S BANK BRIDGEPORT, CT 2013
  • CONNECTICUT BANK OF COMMERCE STAMFORD, CT 2002 → HUDSON UNITED BANK
  • FAIRFIELD FIRST BANK & TRUST CO SOUTHPORT, CT 1996 → NORWALK SAVINGS SOCIETY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Connecticut banks.

How Essex Bank's 65/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10065/100
Essex Bank's composite health score
Tier 1 Capital Ratio (12.61%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (6.50%) 16/20
Efficiency Ratio (84.49%) 0/15

65 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$520M

Total balance-sheet footings

Total Deposits

$435M

Customer-funded liabilities

Net Loans

$364M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.21% 12.61% 14.01%
Basel III capital ratios - Essex Bank

Where Essex Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Essex Bank's score of 65/100 falls in the highlighted band.

Essex Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

65 18th percentile higher than 18% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Essex Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Essex Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Essex Bank's $520M falls in the highlighted band.

Safety metrics: Essex Bank

Tier 1 capital ratio
Well-capitalized 10%

12.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.61%
Texas Ratio
6.50%
Equity Capital
$74M

What these ratios mean →

Profitability metrics: Essex Bank

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
6.70%
Efficiency Ratio
84.49%

What these mean →

Income & expense at Essex Bank

$22M
Interest Income
$26M
Non-Interest Income
$36M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Essex Bank reports a Texas Ratio of 6.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Essex Bank on FDIC BankFind →

Top banks in Connecticut by total assets

Largest banks headquartered in Connecticut
  1. 1
    Webster Bank $84.0B

    Stamford, CT · Grade A

  2. 2
    Liberty Bank $9.0B

    Middletown, CT · Grade B

  3. 3
    Bankwell Bank $3.4B

    New Canaan, CT · Grade A

  4. 4
    Union Savings Bank $3.3B

    Danbury, CT · Grade B

  5. 5
    Ion Bank $2.7B

    Naugatuck, CT · Grade B

Top 5 banks in Connecticut ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($520M here), outside Connecticut so the neighborhood is not state containment.

State Bank Financial $520M · WI Piermont Bank $520M · NY New OMNI Bank $520M · CA The First State Bank $520M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Essex Bank (FDIC Cert #17262) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Essex Bank Call Report profile · FDIC Failed Bank List · Connecticut FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Connecticut

All Connecticut banks →
BankAssetsGradeROA
Webster Bank, National AssociationStamford $84.0B A 1.26%
Liberty BankMiddletown $9.0B B 0.99%
Bankwell BankNew Canaan $3.4B A 1.27%
Union Savings BankDanbury $3.3B B 0.61%
Ion BankNaugatuck $2.7B B 0.79%
First County BankStamford $2.3B C 0.22%
Fairfield County BankRidgefield $1.9B C 0.46%
Thomaston Savings BankThomaston $1.9B B 0.78%