ESSA Bank & Trust

Overview / Commentary
200 Palmer Street
Stroudsburg, PA 18360-0160

ESSA Bank & Trust is headquartered in Stroudsburg and is the 27th largest bank in the state of Pennsylvania. It is also the 592nd largest bank in the nation. It was established in 1916 and as of June of 2022, it had grown to 240 employees at 22 locations. ESSA Bank & Trust's money market rates are 3X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #28262
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.5%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.84B$1.82B
LoansQ2 2022vs Q2 2021$1.38B$1.37B
DepositsQ2 2022vs Q2 2021$1.39B$1.61B
Equity CapitalQ2 2022vs Q2 2021$202.0MM$191.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$18.3MM$17.7MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$8.0MM$21.5MM
Real Estate OwnedQ2 2022vs Q2 2021$75.00K$373.00K
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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

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

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

0.10%*$100k*-Relationship Checking
OTHER TIERS: 0.05% $10k - $100k
0.05%$1k-Business Plus Checking

ESSA Bank & Trust CD Rates

4.25%$25k-9 Month CD Special - New Money
4.00%$15k-11 Month CD Special - New Money
3.51%$10k-15 Month CD Special - New Money
2.00%$1k-18 Month CD
2.00%$1k-24 Month CD
2.00%$1k-30 Month CD
2.00%$1k-36 Month CD
2.00%$1k-48 Month CD
2.00%$1k-60 Month CD
1.75%$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

2.00%$1k-18 Month IRA
2.00%$250-24 Month IRA
2.00%$250-30 Month IRA
2.00%$250-36 Month IRA
2.00%$250-48 Month IRA
2.00%$250-60 Month IRA
1.00%$250-12 Month IRA


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