# ESSA BANK&TRUST
STROUDSBURG, PA · FDIC certificate 28262 · asset band $1-10B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.16B | |
| Deposits | $1.49B | |
| Loans and leases | $1.77B | |
| Total equity | $229.3M | |
| Loans / deposits | 117.32% (p97 of band) | 86.81% |
| Liquid assets / assets | 13.01% (p16 of band) | |
| Uninsured deposits / deposits | 31.17% (p54 of band) | 30.18% |
| Brokered deposits | 4.97% | |
| Wholesale funding | 24.26% (p92 of band) | |
| FHLB advances / assets | 19.04% | |
| Tier 1 leverage | 10.25% (p49 of band) | 10.28% |
| Unrealized securities loss / equity | -4.51% (p73 of band) | -10.98% |
| AOCI / equity | -0.04% (p9 of band) | |
| ROA (annualized) | 0.57% (p17 of band) | 1.04% |
| Net interest margin | 2.80% (p18 of band) | 3.46% |
| Efficiency ratio | 73.75% (p80 of band) | |
| Noncurrent loans | 0.44% (p49 of band) | 0.45% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 201.43% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 63.83% (p62 of band) | |
| Auto loans | $254,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 216 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | expense ratio p90 | loans exceed deposits |
| 2012-12 | 3 |  | expense ratio p90 |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 5 | loans exceed deposits, deposits shrinking |  |
| 2015-09 | 4 |  | deposits shrinking |
| 2015-12 | 4 | capital falling | loans exceed deposits |
| 2016-03 | 5 | loans exceed deposits |  |
| 2016-06 | 4 |  | capital falling |
| 2016-09 | 3 |  | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits | brokered >10% |
| 2017-03 | 3 | brokered >10% | loans exceed deposits |
| 2017-06 | 3 | expense ratio p90 | brokered >10% |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | loans exceed deposits | expense ratio p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | brokered >10% |  |
| 2018-09 | 1 |  | reserve under noncurrent, loans exceed deposits, brokered >10% |
| 2018-12 | 2 | loans exceed deposits |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | brokered >10%, reserve under noncurrent | loans exceed deposits |
| 2019-09 | 1 |  | brokered >10%, reserve under noncurrent |
| 2019-12 | 2 | brokered >10% |  |
| 2020-03 | 2 | loans exceed deposits | brokered >10% |
| 2020-06 | 3 | brokered >10%, reserve under noncurrent | loans exceed deposits |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | noncurrent p90 |  |
| 2021-06 | 4 | assets shrinking | wholesale funding >15% |
| 2021-09 | 1 |  | reserve under noncurrent, noncurrent p90, assets shrinking |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 3 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2022-06 | 1 |  | brokered >10%, assets shrinking |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 3 | wholesale funding >15% |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | capital falling | deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 3 | brokered >10% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28262 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "28262", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide