ESSA Bank & Trust
Stroudsburg, PA
IDRSSD: 952677
Total Assets
$2.16B
Latest filing
Total Deposits
$1.49B
Latest filing
Net Interest Margin
2.86%
Profitability
Key People
Loading leadership data...
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Ephrata National Bank
Ephrata, Pennsylvania
→
Assets: $2.22BΔ +2.7%
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, Pennsylvania
→
Assets: $2.30BΔ +6.2%
Kish Bank
Belleville, Pennsylvania
→
Assets: $1.93BΔ -10.6%
Wayne Bank
Honesdale, Pennsylvania
→
Assets: $2.41BΔ +11.5%
QNB Bank
Quakertown, Pennsylvania
→
Assets: $1.88BΔ -13.0%
Somerset Trust Company
Somerset, Pennsylvania
→
Assets: $2.50BΔ +15.4%
Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 18360 |
| State and County Number | 42089 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 41 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | NEW YORK |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 216 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/24/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.essabank.com |
| Data Updated | 2/13/2026 |
| CERT | 28262 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.16B |
| Total Deposits | $1.49B |
| Total Liabilities | $1.93B |
| Total Equity Capital | $229.33M |
| Net Income | $2.64M |
| Net Loans and Leases | $1.75B |
| Assets Per Employee ($Millions) | $10.02M |
| Bank Premises and Fixed Assets | $15.90M |
| Cash and Balances due from Depository Institutions | $40.68M |
| Deposits Held in Domestic Offices | $1.49B |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 4.58% |
| Net Interest Margin | 2.86% |
| Efficiency Ratio | 75.06% |
| Tier 1 Risk-Based Capital Ratio | 13.854% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.6% |
| Earning Assets to total Assets | 93.51% |
Income and Expense
| Total Interest Income | $26.03M |
| Total Noninterest Income | $2.07M |
| Total Interest Expense | $11.56M |
| Total Noninterest Expense | $12.41M |
| Net Interest Income | $14.47M |
| Pre-tax Net Operating Income | $3.33M |
| Provision for Credit Losses | $799.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $4.34M |
| Other borrowed funds | $417.45M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.31M |
| Total Liabilities and Capital | $2.16B |
Securities
| Securities | $240.72M |
| Available-for-sale debt securities | $196.93M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $43.78M |
| Subordinated Debt | $0 |
| Trading Account Assets | $5.20M |
| Trading Liabilities | $5.21M |
Frequently Asked Questions
What are the total assets of ESSA Bank & Trust?
$2.16B as of the latest filing.
How much are ESSA Bank & Trust's total deposits?
$1.49B in total deposits.
Where is ESSA Bank & Trust located?
Stroudsburg, PA.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$1.75B (latest filing).
What is the total interest income (latest filing)?
$26.03M.