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Overview / Commentary
200 Palmer Street
Stroudsburg, PA 18360

ESSA Bank & Trust is headquartered in Stroudsburg and is the 21st largest bank in the state of Pennsylvania. It is also the 447th largest bank in the nation. It was established in 1916 and as of June of 2014, it had grown to 278 employees at 28 locations. ESSA Bank & Trust has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 ESSA Bank & Trust had $25.9 million in non-current loans and owned real-estate with $173.95 million in equity and loan loss allowances on hand to cover it. This gives ESSA Bank & Trust a Texas Ratio of 14.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for ESSA Bank & Trust experienced no significant changes from 16.03% as of June 30, 2013 to 14.89% as of June 30, 2014, resulting in a positive change of 7.13%.This indicates that the balance sheet and financial strength for ESSA Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, ESSA Bank & Trust has increased its total deposits by $131.2 million, resulting in 12.81% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ESSA Bank & Trust has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ESSA Bank & Trust has $1.55 billion in assets with $173.95 million in equity, resulting in a capitalization level of 11.20%, which is excellent.

Institution Statistics

FDIC Certificate #28262
Year Established1916
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.55 billion
Loans$1.05 billion
Deposits$1.16 billion
Equity Capital$165.12 million
Loan Loss Allowance$8.84 million
Unbacked Noncurrent Loans$22.93 million
Real Estate Owned$2.97 million
Historic Data - June 2013
Assets$1.37 billion
Equity Capital$156.73 million
Loan Loss Allowance$8.18 million
Unbacked Noncurrent Loans$22.93 million
Real Estate Owned$1.69 million
Profit Margin - Quarterly
Return on Assets0.65%
Return on Equity5.64%
Interest Income$25.42 million

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ESSA Bank & Trust Savings Account Rates

0.05%$100-Passbook Savings
0.05%$100-Statement Savings

ESSA Bank & Trust Money Market Rates

0.40%$1m-ESSA Money Market

ESSA Bank & Trust Checking Account Rates

0.10%$1k-Business Plus Checking
0.10%$100k-Relationship Checking

ESSA Bank & Trust CD Rates

1.90%$1k-60 Month CD
1.40%$1k-48 Month CD
1.05%$1k-36 Month CD
1.00%$1k-30 Month CD
0.90%$1k-36 Month Step-Up CD
0.60%$1k-24 Month CD
0.45%$1k-18 Month CD
0.45%$1k-24 Month Step-Up CD
0.35%$1k-12 Month CD
0.30%$1k-12 Month Step-Up CD
0.25%$1k-182 Day CD
0.20%$10k-30 Day CD
0.15%$1k-91 Day CD

ESSA Bank & Trust IRA Rates

1.90%$250-60 Month IRA
1.40%$250-48 Month IRA
1.05%$250-36 Month IRA
1.00%$250-30 Month IRA
0.60%$250-24 Month IRA
0.45%$250-18 Month IRA
0.35%$250-12 Month IRA

ESSA Bank & Trust has 26 locations. Click to view all ESSA Bank & Trust locations.