ESSA Bank & Trust

Overview / Commentary

www.essabank.com

570-421-0531

200 Palmer Street
Stroudsburg, PA 18360-0160

ESSA Bank & Trust is headquartered in STROUDSBURG and is the 27^th largest bank in the state of Pennsylvania. It is also the 573^rd largest bank in the nation. It was established in 1916 and as of March of 2023, it had grown to 242 employees at 22 locations. ESSA Bank & Trust's money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	28262
Year Established	1916
Employees	242
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	8.78%
Annual Interest Income	$20.0MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.98B$1.86B
Loans	Q1 2023vs Q1 2022	$1.57B$1.34B
Deposits	Q1 2023vs Q1 2022	$1.44B$1.63B
Equity Capital	Q1 2023vs Q1 2022	$213.0MM$209.9MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$18.3MM$18.2MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$11.4MM$8.2MM
Real Estate Owned	Q1 2023vs Q1 2022	$3.5MM$85.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ESSA Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$10k^*	-	Premium Savings Account - New Money (Online Only)
OTHER TIERS: 0.05% → $100 - $10k
0.05%	$100	-	Statement Savings
0.05%	$100	-	Business Statement Savings

ESSA Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$250k^*	-	ESSA Money Market
OTHER TIERS: 0.50% → $2.5k - $25k \| 0.95% → $25k - $100k \| 1.15% → $100k - $250k
1.50%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.50% → $10k - $25k \| 0.95% → $25k - $100k \| 1.15% → $100k - $500k

ESSA Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Relationship Checking
OTHER TIERS: 0.05% → $10k - $100k
0.05%	$1k	-	Business Plus Checking

ESSA Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$15k	-	11 Month CD Special - New Money
5.00%	$25k	-	9 Month CD Special - New Money
5.00%	$10k	-	15 Month CD Special - New Money
3.00%	$1k	-	48 Month CD
3.00%	$1k	-	60 Month CD
2.75%	$1k	-	24 Month CD
2.75%	$1k	-	30 Month CD
2.75%	$1k	-	36 Month CD
2.00%	$1k	-	18 Month CD
2.00%	$1k	-	24 Month Step-Up CD
1.75%	$1k	-	36 Month Step-Up CD
1.00%	$1k	-	12 Month CD
0.75%	$1k	-	91 Day CD
0.75%	$1k	-	182 Day CD
0.75%	$1k	-	12 Month Step-Up CD
0.75%	$1k	-	9 Month CD
0.50%	$10k	-	30 Day CD

ESSA Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$250	-	48 Month IRA
3.00%	$250	-	60 Month IRA
2.75%	$250	-	24 Month IRA
2.75%	$250	-	30 Month IRA
2.75%	$250	-	36 Month IRA
2.00%	$250	-	18 Month IRA
1.00%	$250	-	12 Month IRA

Locations

Availability

Wilkes Barre Area

Wilkes Barre Area bank & credit union details

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