Side-by-side · Q2 2026 data
Essex Bank vs Chelsea Groton Bank
Metric by metric
| Measure | Essex Bank | Chelsea Groton Bank |
|---|---|---|
| TellerScore | 72 | 82 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 58 | 84 (stronger) |
| Earnings | 64 | 76 (stronger) |
| Funding & liquidity | 78 (stronger) | 42 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 50th | 93rd |
| Total assets | $536.6M | $1.8B |
| Deposits / shares | $447.9M | $1.2B |
| Capital ratio | 12.87% | 16.73% (stronger) |
| Problem loans | 1.27% | 0.48% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.10% | 1.39% (stronger) |
| Loans ÷ deposits | 81.7% (stronger) | 110.4% |
| Uninsured deposits | 15.6% (stronger) | 22.4% |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 11.2% |
Chelsea Groton Bank has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Essex Bank leads on 2 and Chelsea Groton Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.