ESSA Bank & Trust

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 478th largest bank in the nation. It was established in 1916 and as of September of 2019, it had grown to 253 employees at 23 locations. ESSA Bank & Trust's savings 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 - YTD0.7%
Return on Equity - YTD7.02%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$1.80B$1.83B
LoansQ3 2019vs Q3 2018$1.33B$1.31B
DepositsQ3 2019vs Q3 2018$1.35B$1.34B
Equity CapitalQ3 2019vs Q3 2018$185.1MM$173.4MM
Loan Loss AllowanceQ3 2019vs Q3 2018$12.6MM$11.7MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$10.1MM$10.5MM
Real Estate OwnedQ3 2019vs Q3 2018$240.00K$1.1MM
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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

1.50%*$10k*-Premium Savings Account - New Money (Online Only)
OTHER TIERS: 0.20% $100 - $10k
0.05%$100-Statement Savings
0.05%$100-Business Statement Savings

ESSA Bank & Trust Money Market Rates

0.60%*$1m*-ESSA Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $500k | 0.55% $500k - $1m
0.40%*$500k*-Business Money Market
OTHER TIERS: 0.10% $10k - $25k | 0.25% $25k - $100k | 0.35% $100k - $500k

ESSA Bank & Trust Checking Account Rates

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

ESSA Bank & Trust CD Rates

1.65%$1k-91 Day CD
1.65%$1k-182 Day CD - New Money
1.55%$1k-24 Month CD
1.55%$1k-60 Month CD
1.50%$1k-36 Month CD
1.50%$1k-48 Month CD
1.50%$1k-9 Month CD - New Money
1.50%$1k-12 Month CD - New Money
1.25%$1k-12 Month CD
1.25%$1k-18 Month CD
1.20%$1k-30 Month CD
1.05%$1k-12 Month Step-Up CD
1.00%$1k-182 Day CD
1.00%$1k-36 Month Step-Up CD
0.95%$1k-24 Month Step-Up CD
0.40%$10k-30 Day CD

ESSA Bank & Trust IRA Rates

1.55%$250-24 Month IRA
1.55%$250-60 Month IRA
1.50%$250-36 Month IRA
1.50%$250-48 Month IRA
1.25%$250-12 Month IRA
1.25%$250-18 Month IRA
1.20%$250-30 Month IRA


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