ESSA BANK&TRUST
STROUDSBURG, PENNSYLVANIA · FDIC Cert #28262
Capital & Safety Analysis
According to FDIC financial data, ESSA BANK&TRUST holds a Tier 1 capital ratio of 12.96%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ESSA BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ESSA BANK&TRUST shows strong financial health indicators. With $2.2B in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
ESSA BANK&TRUST has a Bank Health Score of B (74/100). It holds a Tier 1 capital ratio of 12.96%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
ESSA BANK&TRUST holds $2.2B in total assets and $1.6B in total deposits. It is located in STROUDSBURG, PENNSYLVANIA (FDIC Certificate #28262).
ESSA BANK&TRUST has a Tier 1 capital ratio of 12.96%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.54%, and the return on assets is 0.93%.
Yes. ESSA BANK&TRUST is FDIC-insured (Certificate #28262). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.