ESSA Bank & Trust (merged into CNB Bank)
ESSA Bank & Trust reported total assets of $2.2 bn at Q2 2025, its last Call Report before it merged into CNB Bank. The CET1 capital ratio at ESSA Bank & Trust was 13.85%, and the uninsured share of ESSA Bank & Trust was 31.17%. Source: FDIC Call Reports.
What sets ESSA Bank & Trust apart
Nothing in the latest data sets ESSA Bank & Trust apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is ESSA Bank & Trust?
The balance sheet of ESSA Bank & Trust at : assets $2.2 bn, deposits $1.5 bn, net loans $1.8 bn (loans equal to 117.32% of deposits). Securities make up 11.1% of total assets at ESSA Bank & Trust. Since , when ESSA Bank & Trust held $1.8 bn, its assets grew 23.0%. In the year to , deposits at ESSA Bank & Trust fell 4.9% while its total assets fell 2.8%. At , ESSA Bank & Trust employed 216 full-time equivalent staff across 21 offices, about $10.0 mn of assets per employee and $71.1 mn of deposits per office.
How much funding at ESSA Bank & Trust is uninsured?
At ESSA Bank & Trust, uninsured deposits (above the FDIC limit) made up 31.17% of domestic deposits at (+5.13 pp on a year earlier). In dollars, ESSA Bank & Trust estimated $465.1 mn of uninsured deposits.
Key facts, Q2 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.5 bn | $1.6 bn (Q2 2024) | |
| Net loans and leases | $1.8 bn | $1.7 bn (Q2 2024) | |
| Loan-to-deposit ratio | 117.32% | 108.87% (Q2 2024) | |
| Tier 1 leverage ratio | 10.25% | 9.79% (Q2 2024) | |
| Total risk-based capital ratio | 14.91% | 13.99% (Q2 2024) | |
| Net interest margin | 2.80% | 2.76% (Q2 2024) | |
| Return on assets (ROA) | 0.57% | 0.75% (Q2 2024) | |
| Efficiency ratio | 73.75% | 71.06% (Q2 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.1 mn | Narrowed by $1.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.3 mn | Narrowed by $11.5 mn | |
| Noncurrent loans to total loans | 0.44% | 0.54% (Q2 2024) | |
| Net charge-offs to average loans | 0.00% | -0.02% (Q2 2024) |
US rank of ESSA Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
ESSA Bank & Trust: assets, deposits and loans
- Total assets $2.2bn
- Deposits $1.5bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of ESSA Bank & Trust stood at 13.85% in , +0.89 pp year on year. Low and high at ESSA Bank & Trust since : 11.80% () to 13.85% (). Equity capital of ESSA Bank & Trust at : $229.3 mn, or 10.6% of total assets. ESSA Bank & Trust also reported a total capital ratio of 14.91% for , and a tier 1 leverage ratio of 10.25%.
On held-to-maturity securities, ESSA Bank & Trust carried an unrealized loss of $6.1 mn at , equal to 2.6% of equity capital. The loss narrowed by $1.7 mn over the year. Its deepest point: $10.2 mn in . The available-for-sale portfolio of ESSA Bank & Trust showed an unrealized loss of $4.3 mn at ; the loss narrowed by $11.5 mn over the year.
ESSA Bank & Trust: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 10%
ESSA Bank & Trust: unrealized securities gains and losses
- Available for sale -$4mn
- Held to maturity -$6mn
Profitability and loan quality
For the year to , ESSA Bank & Trust earned a return on equity of 5.37%; return on assets: 0.57%. Net interest margin at ESSA Bank & Trust: 2.80%, +0.04 pp in a year. ESSA Bank & Trust net income: $6.2 mn, down 25.6% year on year. The efficiency ratio of ESSA Bank & Trust was 73.75%: about 74 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.44% of total loans at ESSA Bank & Trust; net charge-offs: 0.00% of average loans. Gross loans and leases at ESSA Bank & Trust: $1.8 bn at , against $1.7 bn at .
ESSA Bank & Trust: profitability
- Return on equity 5.4%
- Net interest margin 2.8%
- Return on assets 0.6%
Peer group of ESSA Bank & Trust
The peer group of ESSA Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of ESSA Bank & Trust (state-chartered stock savings bank) and 0 have head offices in Pennsylvania. Against them, ESSA Bank & Trust shows CET1 ratio 13.85% against a peer median of 14.57%, return on equity 5.37% against a peer median of 14.02% and uninsured deposit share 31.17% against a peer median of 33.14%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| One Community Bank | State member bank | WI | $2.2 bn | not reported | 8.25% | 27.21% | |
| Country Club Bank | State member bank | MO | $2.2 bn | 13.56% | 18.46% | 38.54% | |
| WebBank | State nonmember bank | UT | $2.2 bn | 19.61% | 23.51% | 11.41% | |
| ESSA Bank & Trust | State-chartered stock savings bank | PA | $2.2 bn | 13.85% | 5.37% | 31.17% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.1 bn | 14.57% | 8.67% | 34.27% | |
| Esquire Bank | National bank | NY | $2.0 bn | 14.89% | 23.07% | 32.01% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.0 bn | 11.58% | 9.58% | 40.28% | |
. FDIC Call Reports.
Last eight quarters
Two years at ESSA Bank & Trust, to : assets $2.3 bn to $2.2 bn, deposits $1.7 bn to $1.5 bn, equity $210.5 mn to $229.3 mn. Staff 242 to 216; offices 22 to 21.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.3 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Total deposits | $1.7 bn | $1.6 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.7 bn | $1.7 bn | $1.5 bn |
| Bank equity capital | $210.5 mn | $209.8 mn | $213.8 mn | $216.9 mn | $223.2 mn | $228.1 mn | $232.4 mn | $229.3 mn |
| CET1 ratio | 11.93% | 11.80% | 12.83% | 12.96% | 13.20% | 13.53% | 12.87% | 13.85% |
| Return on equity (ROE) | 8.58% | 8.45% | 8.48% | 7.78% | 7.66% | 7.43% | 6.14% | 5.37% |
| Uninsured share of domestic deposits | 32.45% | 30.73% | 28.57% | 26.04% | 29.47% | 26.83% | 26.19% | 31.17% |
| Full-time equivalent employees | 242 | 242 | 242 | 244 | 244 | 232 | 222 | 216 |
| Number of offices | 22 | 22 | 22 | 22 | 21 | 21 | 21 | 21 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of ESSA Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Eagle National Bank (FDIC certificate 26947).
- . Merged into CNB Bank (FDIC certificate 13876).
Questions and identifiers
What were the total assets of ESSA Bank & Trust?
ESSA Bank & Trust reported $2.2 bn at in its Call Report.
Is ESSA Bank & Trust the same as its holding company?
No. This page covers ESSA Bank & Trust, FDIC certificate 28262; ESSA BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is ESSA Bank & Trust profitable?
ESSA Bank & Trust reported net income of $6.2 mn for the year to ; annualized return on equity: 5.37%. So yes: ESSA Bank & Trust made a profit over these months.
When is data for ESSA Bank & Trust next updated?
ESSA Bank & Trust no longer files Call Reports; its data ends at .
Where can I check the figures for ESSA Bank & Trust?
In the FDIC BankFind Suite record for certificate 28262, and in the Call Reports of ESSA Bank & Trust (RSSD ID 952677) at the FFIEC Central Data Repository.