Vitals
  • Total Assets
    1.8B 0.7 %
  • Total Deposits
    1.2B -3.7 %
  • Total Net Loans
    1.2B -0.3 %
  • Net Income
    7.9M -19.1 %
  • Book Value
    162.3M -1.4 %
  • Book Value x2
    324.6M -1.4 %
  • Book Value x3
    486.9M -1.4 %
ROAA

.448

ROAE

4.707

Efficiency Ratio

76.129

Net Interest Margin

2.959

Balance Sheet Highlights
Financial Highlights Essa Bank & Trust All Insured Savings Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 1,770,485 648,167
Total Net Loans 1,224,022 461,686
Total Deposits 1,200,802 495,804
Total Equity 162,289 86,443
Profitability
Net Income 7,875 4,600
Return on Average Assets .448 .53
Return on Average Equity 4.707 4.211
Net Interest Margin 2.959 2.964
Efficiency Ratio 76.129 73.743
Noninterest Income/Revenue 10.753 17.147
Balance Sheet Ratios
Loan-to-Deposit 101.934 82.148
Securities/Assets .221 .168
Total Equity/Total Assets .092 .133
Tangible Equity/Tangible Assets .082 .127
Capital Adequacy
Tier 1 Common Capital 154,989 83,501
Tier 1 Capital 154,989 83,501
Tier 2 Capital 9,393 4,056
Total Capital 164,382 87,552
Total Risk Weighted Assets 1,198,462 425,981
Leverage Ratio 8.88 13.562
Common Equity Tier 1 Capital Ratio 12.93 24.643
Tier 1 Capital Ratio 12.93 24.643
Total Capital Ratio 13.72 25.537

Timeline for Essa Bank & Trust

Eagle National Bank

Acquisition: Essa Bank & Trust acquired a new subsidiary, Eagle National Bank, 8 years

View Profile Dec 05 2015

Franklin Security Bank

Acquisition: Essa Bank & Trust acquired a new subsidiary, Franklin Security Bank, 10 years

View Profile Apr 05 2014

Essacor, Inc.

Essacor, Inc. became a new subsidiary organization for Essa Bank & Trust.

View Profile Dec 01 2012

First Star Bank

Acquisition: Essa Bank & Trust acquired a new subsidiary, First Star Bank, 11 years

View Profile Aug 01 2012

Integrated Financial Corporation

Integrated Financial Corporation became a new subsidiary organization for Essa Bank & Trust.

View Profile Aug 01 2012

Want to see more?

Complete timeline for Essa Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Eagle National Bank Seller 184,967 Acquisition Discontinued 12/5/2015
Franklin Security Bank Seller 219,773 Acquisition Discontinued 4/5/2014
First Star Bank Seller 425,492 Acquisition Discontinued 8/1/2012
Relationships Role Relationship Start Relationship End
Essa Bancorp, Inc. Parent 11/14/2014
Essa Bancorp, Inc. Parent 7/21/2011 11/13/2014
Essa Bancorp, Inc. Parent 4/30/2007 7/20/2011
Integrated Financial Corporation Subsidary 8/1/2012
Pocono Investment Company Subsidary 7/21/2011
Essa Advisory Services Llc Subsidary 7/21/2011
Essacor, Inc. Subsidary 12/1/2012
Integrated Delaware, Inc. Subsidary 8/1/2012 5/21/2013
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