ESSA Bank & Trust
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Weak (2.1) profitability.
Asset Mix:
Home mtgs (38%), comm re (22%), securities (11%), comm loans (2%), cash (1%), home eq lns (1%), other (25%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
ESSA Bancorp, Inc.
Investment Rating
Address
200 Palmer Street
Stroudsburg, PA 18360
Stroudsburg, PA 18360
Phone Number
(570) 421-0531
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.