| Metric | Essex Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.9% | -0.3 pts |
| Deposit growth (YoY) | +3.7% | +4.3% | -0.6 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.2 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 7.8% | 12.4% | -4.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $536.6M | $447.9M | $365.8M | $76.6M | $2.9M | 1.10% | 3.71% | 0.88% |
| Q1 2026 | $525.7M | $439.7M | $367.3M | $74.8M | $1.2M | 0.89% | 3.67% | 0.91% |
| Q4 2025 | $519.9M | $434.7M | $363.5M | $73.6M | $4.7M | 0.92% | 3.67% | 0.96% |
| Q3 2025 | $505.7M | $423.0M | $367.4M | $71.5M | $3.2M | 0.84% | 3.60% | 1.01% |
| Q2 2025 | $513.1M | $432.0M | $361.5M | $69.9M | $1.9M | 0.75% | 3.51% | 1.01% |
| Q1 2025 | $512.1M | $433.1M | $355.0M | $68.5M | $721K | 0.57% | 3.44% | 0.06% |
| Q4 2024 | $500.0M | $422.1M | $355.1M | $67.5M | $4.1M | 0.82% | 3.57% | 0.03% |
| Q3 2024 | $489.2M | $411.9M | $346.9M | $66.8M | $3.4M | 0.91% | 3.60% | 0.03% |
Loan mix (Q2 2026): real estate $343.5M · commercial $25.6M · consumer $68K · securities $51.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Essex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 61.2% | 91th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Essex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Essex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Essex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Essex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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