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 28^th largest bank in the state of Pennsylvania. It is also the 590^th largest bank in the nation. It was established in 1916 and as of December of 2021, it had grown to 234 employees at 22 locations. ESSA Bank & Trust has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	28262
Year Established	1916
Employees	234
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	8.82%
Annual Interest Income	$58.4MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$1.87B$1.86B
Loans	Q4 2021vs Q4 2020	$1.34B$1.38B
Deposits	Q4 2021vs Q4 2020	$1.64B$1.64B
Equity Capital	Q4 2021vs Q4 2020	$203.7MM$186.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$18.2MM$16.1MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$18.9MM$20.6MM
Real Estate Owned	Q4 2021vs Q4 2020	$193.00K$365.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$250k^*	-	ESSA Money Market
OTHER TIERS: 0.05% → $2.5k - $50k \| 0.10% → $50k - $250k
0.15%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.05% → $10k - $100k

ESSA Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Relationship Checking
OTHER TIERS: 0.05% → $10k - $100k
0.05%	$1k	-	Business Plus Checking

ESSA Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$1k	-	48 Month CD
0.25%	$1k	-	60 Month CD
0.20%	$1k	-	30 Month CD
0.20%	$1k	-	36 Month CD
0.15%	$1k	-	24 Month CD
0.15%	$1k	-	36 Month Step-Up CD
0.10%	$1k	-	18 Month CD
0.10%	$1k	-	24 Month Step-Up CD
0.05%	$1k	-	91 Day CD
0.05%	$1k	-	182 Day CD
0.05%	$1k	-	12 Month CD
0.05%	$1k	-	12 Month Step-Up CD
0.05%	$10k	-	30 Day CD
0.05%	$1k	-	9 Month CD

ESSA Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$250	-	48 Month IRA
0.25%	$250	-	60 Month IRA
0.20%	$250	-	30 Month IRA
0.20%	$250	-	36 Month IRA
0.15%	$250	-	24 Month IRA
0.10%	$250	-	18 Month IRA
0.05%	$250	-	12 Month IRA

Locations

Availability

Wilkes Barre Area

Wilkes Barre Area bank & credit union details

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