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 455th largest bank in the nation. It was established in 1916 and as of December of 2018, it had grown to 261 employees at 23 locations. ESSA Bank & Trust's CD 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 - YTD0.62%
Return on Equity - YTD6.57%
Annual Interest Income$66.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.86B$1.82B
LoansQ4 2018vs Q4 2017$1.33B$1.28B
DepositsQ4 2018vs Q4 2017$1.32B$1.26B
Equity CapitalQ4 2018vs Q4 2017$179.9MM$172.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$12.2MM$9.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$10.7MM$14.3MM
Real Estate OwnedQ4 2018vs Q4 2017$876.00K$1.4MM
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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

0.05%$100-Passbook Savings
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

2.35%$1k-12 Month CD - New Money
2.00%$1k-9 Month CD Special - New Money
1.90%$1k-60 Month CD
1.75%$1k-182 Day CD Special - New Money
1.60%$1k-48 Month CD
1.55%$1k-36 Month CD
1.50%$1k-30 Month CD
1.45%$1k-24 Month CD
1.35%$1k-18 Month CD
1.35%$1k-36 Month Step-Up CD
1.25%$1k-12 Month CD
1.25%$1k-24 Month Step-Up CD
1.05%$1k-12 Month Step-Up CD
0.60%$1k-182 Day CD
0.50%$1k-91 Day CD
0.40%$10k-30 Day CD

ESSA Bank & Trust IRA Rates

1.90%$250-60 Month IRA
1.60%$250-48 Month IRA
1.55%$250-36 Month IRA
1.50%$250-30 Month IRA
1.45%$250-24 Month IRA
1.35%$250-18 Month IRA
1.25%$250-12 Month IRA


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