Side-by-side · Q2 2026 data
Essex Bank vs Liberty Bank
Metric by metric
| Measure | Essex Bank | Liberty Bank |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 79 | 84 (stronger) |
| Loan quality | 58 | 89 (stronger) |
| Earnings | 64 | 72 (stronger) |
| Funding & liquidity | 78 (stronger) | 47 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 50th | 88th |
| Total assets | $536.6M | $9.4B |
| Deposits / shares | $447.9M | $7.1B |
| Capital ratio | 12.87% | 13.37% (stronger) |
| Problem loans | 1.27% | 0.32% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.10% | 1.30% (stronger) |
| Loans ÷ deposits | 81.7% (stronger) | 101.8% |
| Uninsured deposits | 15.6% (stronger) | 25.5% |
| Offices | 6 | 51 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 10.2% |
Liberty Bank has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Essex Bank leads on 3 and Liberty Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Madison, CT
- Old Saybrook, CT