Side-by-side · Q2 2026 data
The National Iron Bank vs Essex Bank
Metric by metric
| Measure | The National Iron Bank | Essex Bank |
|---|---|---|
| TellerScore | 63 | 72 (stronger) |
| Capital cushion | 35 | 79 (stronger) |
| Loan quality | 100 (stronger) | 58 |
| Earnings | 53 | 64 (stronger) |
| Funding & liquidity | 49 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 24th | 50th |
| Total assets | $318.0M | $536.6M |
| Deposits / shares | $291.4M | $447.9M |
| Capital ratio | 8.48% | 12.87% (stronger) |
| Problem loans | 0.00% (stronger) | 1.27% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.82% | 1.10% (stronger) |
| Loans ÷ deposits | 89.6% | 81.7% (stronger) |
| Uninsured deposits | 34.9% | 15.6% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.8% |
Essex Bank has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The National Iron Bank leads on 2 and Essex Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.