ESSA Bank & Trust

ESSA Bank & Trust is headquartered in Stroudsburg and is the 24^th largest bank in the state of Pennsylvania. It is also the 590^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 198 employees at 17 locations. ESSA Bank & Trust has a 5-star health rating.

ESSA Bank & Trust Routing Number: 231372248

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Data for Q1 2012

Institution Statistics ESSA Bank & Trust OTS # 01254 FDIC Certificate # 28262 BankRate Report View Year Established 1916 Employees 198 Primary Regulator FDIC Assets and Liabilities Assets $1.11 billion Loans $741.62 million Deposits $677.10 million Equity Capital $159.62 million Loan Loss Allowance $8.10 million Unbacked Noncurrent Loans $14.26 million Real Estate Owned $1.91 million Historic Data - March 2011 Assets $1.09 billion Equity Capital $159.86 million Loan Loss Allowance $8.13 million Unbacked Noncurrent Loans $11.97 million Real Estate Owned $3.16 million Profit Margin - Quarterly Net Interest Margin 2.62% Return on Assets 0.33% Return on Equity 2.28% Interest Income $10.87 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 ESSA Bank & Trust had $16.17 million in non-current loans and owned real-estate with $167.72 million in equity and loan loss allowances on hand to cover it. This gives ESSA Bank & Trust a Texas Ratio of 9.64% 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 held steady from 9.01% as of March 31, 2011 to 9.64% as of March 31, 2012, resulting in a negative change of 7.03%. This indicates that the balance sheet and financial strength for ESSA Bank & Trust has held steady in recent periods. Deposit Growth In the past year, ESSA Bank & Trust has increased its total deposits by $38.66 million, resulting in 6.06% 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. Capitalization 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 $1.11 billion in assets with $167.72 million in equity, resulting in a capitalization level of 15.07%, which is excellent.

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