ESSA Bank & Trust

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

ESSA Bank & Trust is headquartered in STROUDSBURG and is the 25th largest bank in the state of Pennsylvania. It is also the 530th largest bank in the nation. It was established in 1916 and as of December of 2023, it had grown to 242 employees at 22 locations. ESSA Bank & Trust's money market rates are 8X 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 - YTD0.84%
Return on Equity - YTD8.45%
Annual Interest Income$92.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.22B$1.92B
LoansQ4 2023vs Q4 2022$1.7B$1.5B
DepositsQ4 2023vs Q4 2022$1.6B$1.38B
Equity CapitalQ4 2023vs Q4 2022$209.8MM$209.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$15.4MM$18.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$11MM$14.8MM
Real Estate OwnedQ4 2023vs Q4 2022$3.2MM$26K
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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

3.50%*$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

5.00%$25k-9 Month CD Special - New Money
4.75%$1k-182 Day Promo CD
4.25%$1k-24 Month CD
4.00%$1k-36 Month CD
3.00%$1k-30 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

4.25%$250-24 Month IRA
4.00%$250-36 Month IRA
3.00%$250-30 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


Wilkes Barre Area

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