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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 26th largest bank in the state of Pennsylvania. It is also the 534th largest bank in the nation. It was established in 1916 and as of June of 2024, it had grown to 244 employees at 22 locations. ESSA Bank & Trust's money market rates are 8X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28262
Year Established1916
Employees244
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.78%
Annual Interest Income$51.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.23B$2.18B
LoansQ2 2024vs Q2 2023$1.71B$1.61B
DepositsQ2 2024vs Q2 2023$1.57B$1.54B
Equity CapitalQ2 2024vs Q2 2023$216.9MM$214.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$15.3MM$18.2MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$9.2MM$11.2MM
Real Estate OwnedQ2 2024vs Q2 2023$3.2MM$3.5MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$500k*-Non-Profit Checking
OTHER TIERS: 0.25% → $100 - $100k | 0.50% → $100k - $250k | 0.75% → $250k - $500k
0.10%*$100k*-Relationship Checking
OTHER TIERS: 0.05% → $10k - $100k
0.05%$1k-Business Plus Checking

ESSA Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-7 Month CD
3.75%$1k-12 Month CD
3.75%$25k-9 Month CD Special - New Money
3.75%$1k-11 Month CD
3.50%$1k-18 Month CD
3.50%$1k-24 Month CD
3.40%$1k-30 Month CD
3.40%$1k-36 Month CD
3.40%$1k-48 Month CD
3.35%$1k-60 Month CD
1.75%$1k-24 Month Step-Up CD
1.75%$1k-36 Month Step-Up 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$250-12 Month IRA
3.50%$250-18 Month IRA
3.50%$250-24 Month IRA
3.40%$250-30 Month IRA
3.40%$250-36 Month IRA
3.40%$250-48 Month IRA
3.35%$250-60 Month IRA
Locations

Availability

Wilkes Barre Area

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