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This institution is no longer active

Operations ceased on July 24, 2025. CRA examination history below reflects the period it was active.

ESSA BANK & TRUST

STROUDSBURG, PA · Supervised by FDIC

Est. 1916FDIC #28,262RSSD: FDIC-28262
Part ofESSA BCORP INC→ View all charters
Satisfactory Up

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

200 Palmer St, STROUDSBURG, PA

County

Monroe County

Established

January 1, 1916

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.5B

Net Loans

$1.8B

Net Income

$6M

ROA

0.57%

ROE

5.37%

Risk-Based Capital

14.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.20%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.5B

1-Year Change

-1

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202482672.88%13.20%
202377574.19%12.39%
20221,17677.72%11.99%
20211,24275.76%7.49%
20201,44575.92%6.02%
201992674.41%9.18%
201889667.86%12.17%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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