The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 7 points (65 → 72), mostly because the earnings component improved by 14 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Connecticut

Yes. Essex Bank is an FDIC-insured institution (FDIC certificate #17262). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($69.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Essex Bank lists 6 offices in 5 cities. Most locations:

• Essex, CT (2)
• Chester, CT (1)
• Madison, CT (1)
• Old Lyme, CT (1)
• Old Saybrook, CT (1)

All branch addresses and map

In 2025, Essex Bank reported 80 home-loan applications under HMDA (LEI 549300TPAN1WJY46W431): 58 originated ($20,530,000 total), 7 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Essex Bank

Former names

Essex Savings Bank

Type

SI

FDIC certificate #

17262

RSSD ID

961400

Primary regulator

FDIC

Established

August 6, 1851

Headquarters

35 Plains Rd, Essex, CT 06426

Website

www.essex.bank

Employees

135