Essa Bank & Trust
Stroudsburg, PA · Cert 28262 · Peer group: banks $1B-$10B in assets operating in a single state (n=293-294)
FDIC · 21 branches
Q2 2025
$2.2BAssets
$1.8BLoans
$1.5BDeposits
$229.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 71 of 293).
- Widest gap: return on equity trails 86% of banks $1B-$10B in assets operating in a single state (rank 252 of 294).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.57%
Rank 247 of 294
Net Interest Margin
2.64%
Rank 238 of 294
Efficiency Ratio
73.75%
Rank 231 of 294
Equity / Assets
10.60%
Rank 111 of 294
Non-interest income vs. expense
Unfavorable gap of $40.0M · efficiency ratio beats 22% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.71% | 1.01% | 1.33% | Beats 16% | 247 / 294 | |
| Return on Equity | 5.39% | 7.12% | 10.17% | 13.39% | Beats 14% | 252 / 294 | |
| Net Interest Margin | 2.64% | 2.80% | 3.21% | 3.64% | Beats 19% | 238 / 294 | |
| Efficiency Ratio | 73.75% | 54.67% | 64.12% | 72.80% | Beats 22% | 231 / 294 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.17% | 0.37% | 0.77% | Beats 44% | 165 / 293 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.08% | Beats 77% | 71 / 293 | |
| Capital |
| Tier 1 Capital Ratio | 13.85% | 11.38% | 13.26% | 15.22% | Beats 61% | 114 / 294 | |
| Total Risk-Based Capital Ratio | 14.91% | 12.19% | 14.15% | 16.19% | Beats 61% | 114 / 294 | |
| Equity / Assets | 10.60% | 8.62% | 9.85% | 11.42% | Beats 62% | 111 / 294 | |
| Liquidity & Funding |
| Loans / Deposits | 118.37% | 73.60% | 87.33% | 96.66% | 95th pctl | 14 / 294 | |
| Loans / Assets | 81.64% | 64.16% | 72.85% | 80.20% | 79th pctl | 61 / 293 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |