Call reports 2025
ESSA BANK & TRUST — 2025
What ESSA BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 2,166,357,000 | 2,163,484,000 |
| Total loans | 1,772,006,000 | 1,766,239,000 |
| Allowance for loan losses | 14,950,000 | 15,653,000 |
| Securities available for sale | 209,936,000 | 196,931,000 |
| Securities held to maturity | 44,997,000 | 43,784,000 |
| Trading assets | 5,996,000 | 5,201,000 |
| Total deposits | 1,703,394,000 | 1,492,191,000 |
| Interest-bearing deposits | 1,440,075,000 | 1,229,662,000 |
| Noninterest-bearing deposits | 263,319,000 | 262,529,000 |
| Equity capital | 232,420,000 | 229,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 25,669,000 | 51,697,000 |
| Interest expense | 11,579,000 | 23,140,000 |
| Net interest income | 14,090,000 | 28,557,000 |
| Noninterest income | 1,957,000 | 4,024,000 |
| Noninterest expense | 11,617,000 | 24,027,000 |
| Provision for loan losses | -167,000 | 565,000 |
| Pretax income | 4,472,000 | 7,797,000 |
| Income tax | 939,000 | 1,620,000 |
| Net income | 3,533,000 | 6,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 223,680,000 | 222,106,000 |
| Total capital | 239,785,000 | 238,981,000 |
| Risk-weighted assets | 1,738,669,000 | 1,603,210,000 |