Side-by-side · Q2 2026 data
Essex Bank vs Stafford Savings Bank
Metric by metric
| Measure | Essex Bank | Stafford Savings Bank |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 58 | 81 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 50th | 99th |
| Total assets | $536.6M | $507.0M |
| Deposits / shares | $447.9M | $202.3M |
| Capital ratio | 12.87% | 50.61% (stronger) |
| Problem loans | 1.27% | 0.56% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.10% | 8.23% (stronger) |
| Loans ÷ deposits | 81.7% | 32.3% (stronger) |
| Uninsured deposits | 15.6% | 8.6% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | — |
Stafford Savings Bank has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Essex Bank leads on 0 and Stafford Savings Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.