ESSA Bank & Trust

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

ESSA Bank & Trust is headquartered in STROUDSBURG and is the 22nd largest bank in the state of Pennsylvania. It is also the 506th largest bank in the nation. It was established in 1916 and as of September 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 an A health rating.


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Health Grade Components

FDIC Certificate #28262
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD8.58%
Annual Interest Income$66.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.29B$1.85B
LoansQ3 2023vs Q3 2022$1.68B$1.44B
DepositsQ3 2023vs Q3 2022$1.67B$1.39B
Equity CapitalQ3 2023vs Q3 2022$210.5MM$204MM
Loan Loss AllowanceQ3 2023vs Q3 2022$18.5MM$18.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$11.1MM$15.1MM
Real Estate OwnedQ3 2023vs Q3 2022$3.3MM$29K
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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

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

4.50%$1k-182 Day Promo CD
4.00%$1k-24 Month CD
3.00%$1k-30 Month CD
3.00%$1k-36 Month CD
3.00%$1k-48 Month CD
3.00%$1k-60 Month CD
2.00%$1k-18 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

4.00%$250-24 Month IRA
3.00%$250-30 Month IRA
3.00%$250-36 Month IRA
3.00%$250-48 Month IRA
3.00%$250-60 Month IRA
2.00%$250-18 Month IRA
1.00%$250-12 Month IRA


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