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

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
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