ESSA Bancorp, Inc. (ESSA): Business Model Canvas

Tauchen Sie ein in die komplexe Welt von ESSA Bancorp, Inc., einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Diese in Pennsylvania ansässige Institution verbindet lokale Community-Verbindungen, innovative digitale Plattformen und personalisierte Bankerlebnisse, um ein einzigartiges Wertversprechen zu schaffen, das sie in der wettbewerbsintensiven Finanzlandschaft hervorhebt. Von seinen strategischen Partnerschaften bis hin zu seinen umfassenden Serviceangeboten zeigt ESSA Bancorp, wie eine Regionalbank ihre Stärken nutzen kann, um Kunden und Stakeholdern gleichermaßen einen außergewöhnlichen Mehrwert zu bieten.

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und gewerbliche Kreditkunden

ESSA Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmen in Pennsylvania und konzentriert sich dabei auf kommerzielle Kreditbeziehungen.

Kategorie „Partnerschaft“.	Anzahl aktiver Partnerschaften	Gesamtportfolio an gewerblichen Krediten
Kleinunternehmenspartnerschaften	127	186,4 Millionen US-Dollar
Mittelständische Geschäftspartnerschaften	43	92,7 Millionen US-Dollar

Immobilienentwickler und Hypothekenmakler

ESSA Bancorp arbeitet mit regionalen Immobilienentwicklungsunternehmen und Hypothekenmaklern zusammen.

• Hypothekenmakler-Netzwerkpartnerschaften: 38 aktive Partnerschaften
• Kooperationen bei der Immobilienentwicklung: 22 regionale Entwickler
• Gesamtvolumen der Hypothekenvergabe: 214,3 Millionen US-Dollar im Jahr 2023

Gemeinschaftsorganisationen und regionale Wirtschaftsentwicklungsgruppen

ESSA Bancorp engagiert sich bei lokalen Wirtschaftsentwicklungsinitiativen.

Organisationstyp	Anzahl der Partnerschaften	Gemeinschaftsinvestition
Lokale Wirtschaftsentwicklungsgruppen	15	3,2 Millionen US-Dollar
Community-Reinvestitionsprogramme	9	1,7 Millionen US-Dollar

Drittanbieter von Finanzdienstleistungen

ESSA Bancorp nutzt strategische Finanzdienstleistungspartnerschaften.

• Technologiedienstleister: 7 Partnerschaften
• Zahlungsabwicklungspartner: 4 strategische Beziehungen
• Anbieter digitaler Banking-Lösungen: 3 aktive Kooperationen

Versicherungs- und Vermögensverwaltungspartner

ESSA Bancorp unterhält Partnerschaften für umfassende Finanzdienstleistungen.

Kategorie „Partnerschaft“.	Anzahl der Partner	Gesamtes verwaltetes Vermögen
Versicherungsanbieter	6	92,6 Millionen US-Dollar
Vermögensverwaltungsfirmen	4	127,3 Millionen US-Dollar

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Ab 2024 bietet ESSA Bancorp Bankdienstleistungen mit einem Gesamtvermögen von 2,57 Milliarden US-Dollar an. Die Bank betreibt 26 Full-Service-Filialen in ganz Pennsylvania.

Servicekategorie	Gesamtvolumen
Gewerbliche Kredite	587,4 Millionen US-Dollar
Verbraucherkredite	412,6 Millionen US-Dollar

Hypothekendarlehen und -vergabe

ESSA Bancorp vergibt Hypothekendarlehen für Wohnimmobilien mit einem Portfolio im Wert von 1,23 Milliarden US-Dollar im Jahr 2024.

• Vergabevolumen für Wohnhypothekendarlehen: 245,7 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 327.000 $
• Genehmigungsquote für Hypothekendarlehen: 68 %

Verwaltung von Einlagenkonten

Kontotyp	Gesamteinlagen
Girokonten	892,5 Millionen US-Dollar
Sparkonten	456,2 Millionen US-Dollar
Geldmarktkonten	213,8 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

ESSA Bancorp investierte im Jahr 2024 3,2 Millionen US-Dollar in die digitale Banktechnologie-Infrastruktur.

• Mobile-Banking-Nutzer: 42.500
• Online-Banking-Transaktionen: 1,7 Millionen pro Quartal
• Investition in die Sicherheit digitaler Plattformen: 620.000 US-Dollar

Gemeinschaftsinvestitionen und Beziehungsaufbau

ESSA Bancorp hat im Jahr 2024 4,5 Millionen US-Dollar für Gemeinschaftsentwicklungsinitiativen bereitgestellt.

Investitionsbereich	Zuordnung
Lokale Unternehmensunterstützung	1,8 Millionen US-Dollar
Zuschüsse für die Gemeindeentwicklung	1,2 Millionen US-Dollar
Bildungsstipendien	$500,000

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Pennsylvania

ESSA Bancorp ist hauptsächlich im Nordosten von Pennsylvania mit den folgenden Netzwerkdetails tätig:

Netzwerkmetrik	Quantitative Daten
Gesamtzahl der physischen Filialstandorte	35 Bankfilialen
Geografische Abdeckung	Landkreise Lehigh, Northampton, Monroe, Carbon und Schuylkill
Vermögensgröße	2,9 Milliarden US-Dollar zum 31. Dezember 2023

Erfahrene Management- und Bankfachleute

Zusammensetzung des Managementteams:

• Durchschnittliche Bankerfahrung: 22 Jahre
• Führungsteam: 7 leitende Angestellte
• Gesamtzahl der Mitarbeiter: ca. 400

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieressource	Spezifikation
Online-Banking-Plattform	Fortschrittliches cloudbasiertes Banksystem
Mobile-Banking-Anwendung	iOS- und Android-kompatibel
Investition in Cybersicherheit	Jährliches Budget für Technologiesicherheit in Höhe von 1,2 Millionen US-Dollar

Umfangreiche Kundeneinlagenbasis

Aufschlüsselung des Einlagenportfolios:

Einzahlungskategorie	Gesamtbetrag
Gesamteinlagen	2,5 Milliarden US-Dollar
Unverzinsliche Einlagen	312 Millionen Dollar
Verzinsliche Einlagen	2,188 Milliarden US-Dollar

Physisches Filialnetz im Nordosten von Pennsylvania

• Gesamtzahl der Filialstandorte: 35
• Hauptversorgungsgebiete: Lehigh Valley, Pocono Mountains
• Filialverteilung: Städtische und vorstädtische Standorte

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Wertversprechen

Personalisiertes lokales Bankerlebnis

Im vierten Quartal 2023 betrieb ESSA Bancorp 26 Community-Banking-Büros mit umfassendem Service im Nordosten von Pennsylvania. Die Bank betreut die Landkreise Lehigh, Northampton, Monroe, Pike und Wayne mit einer Gesamtvermögensbasis von 2,98 Milliarden US-Dollar.

Geografische Abdeckung	Anzahl der Filialen	Gesamtvermögen
Nordöstliches Pennsylvania	26	2,98 Milliarden US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zum 31. Dezember 2023 berichtete ESSA Bancorp:

• Nettozinsertrag von 83,5 Millionen US-Dollar
• Kreditportfolio von 2,33 Milliarden US-Dollar
• Durchschnittliche Kreditrendite von 5,42 %

Umfassende Finanzdienstleistungen

Servicekategorie	Produktangebote
Persönliches Banking	Schecks, Ersparnisse, Hypotheken, Privatkredite
Geschäftsbanking	Kommerzielle Kredite, Geschäftsschecks, Cash Management

Reaktionsschneller Kundenservice

ESSA Bancorp unterhielt eine Kundenzufriedenheitsbewertung von 4,2 von 5 basierend auf unabhängigen Kundenbefragungen im Jahr 2023.

Community-orientierte Banking-Lösungen

Im Jahr 2023 investierte ESSA Bancorp 1,2 Millionen US-Dollar in Programme zur lokalen Gemeindeentwicklung und zur Unterstützung kleiner Unternehmen im Nordosten von Pennsylvania.

• Investitionen in die Gemeindeentwicklung: 1,2 Millionen US-Dollar
• Lokale Kredite für kleine Unternehmen: 156 Millionen US-Dollar
• Bewertung des Community Reinvestment Act: Befriedigend

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungen mit lokalen Kunden

Ab dem vierten Quartal 2023 unterhält ESSA Bancorp 42 Filialen, hauptsächlich im Nordosten von Pennsylvania. Die Bank betreut rund 58.000 Kundenkonten mit Schwerpunkt auf personalisierten lokalen Bankdienstleistungen.

Kundensegment	Anzahl der Konten	Durchschnittlicher Kontostand
Persönliche Überprüfung	34,500	$7,250
Persönliche Ersparnisse	23,800	$12,350

Direkte Kundendienstkanäle

ESSA Bancorp bietet mehrere Kundendienst-Zugangspunkte:

• 42 physische Filialen
• 24/7-Kundendienst-Callcenter
• Online-Chat-Unterstützung
• E-Mail-Kundendienst

Digitale Banking-Plattformen

Digitale Bankstatistiken für ESSA Bancorp ab 2023:

Digitale Plattform	Aktive Benutzer	Jährliches Transaktionsvolumen
Mobile-Banking-App	26,500	1,2 Millionen Transaktionen
Online-Banking-Website	35,700	2,4 Millionen Transaktionen

Community-Engagement-Programme

ESSA Bancorp investierte im Jahr 2023 375.000 US-Dollar in lokale Unterstützungsinitiativen, darunter:

• Lokale Bildungsstipendien
• Zuschüsse für die Entwicklung kleiner Unternehmen
• Unterstützung der kommunalen Infrastruktur

Management von Handels- und Geschäftskundenbeziehungen

Statistiken zu Geschäftsbankbeziehungen für 2023:

Geschäftssegment	Anzahl der Geschäftskunden	Gesamtportfolio an gewerblichen Krediten
Kleines Unternehmen	1,250	185 Millionen Dollar
Mittlere Unternehmen	350	212 Millionen Dollar

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2023 betreibt ESSA Bancorp 33 Full-Service-Filialen, hauptsächlich im Nordosten von Pennsylvania.

Filialstandorttyp	Anzahl der Filialen	Geografische Abdeckung
Full-Service-Filialen	33	Nordöstliches Pennsylvania

Online-Banking-Plattform

ESSA Bancorp bietet über seine sichere Webplattform umfassende Online-Banking-Dienste an.

• Digitale Bankdienstleistungen rund um die Uhr verfügbar
• Sicherer Kontozugriff
• Online-Rechnungszahlung
• Geldtransfers

Mobile-Banking-Anwendung

ESSA bietet eine Mobile-Banking-Anwendung, die mit iOS- und Android-Plattformen kompatibel ist.

Funktionen mobiler Apps	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Kontostandverfolgung	Ja

Telefon-Banking-Dienste

ESSA bietet Kundensupport über spezielle Telefon-Banking-Kanäle.

• Kundendienstzeiten: Montag–Freitag, 8–18 Uhr
• Eingeschränkter Support am Wochenende verfügbar

ATM-Netzwerk

ESSA unterhält in seiner Serviceregion ein umfangreiches Geldautomatennetzwerk mit 45 proprietären Automaten.

Details zum Geldautomatennetzwerk	Menge
Insgesamt Geldautomaten	45
Kostenlose Geldautomatentransaktionen für Kontoinhaber	Unbegrenzt

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Kundensegmente

Privatkunden im Nordosten von Pennsylvania

Im Jahr 2023 betreut ESSA Bancorp rund 92.000 Privatkunden im Nordosten von Pennsylvania. Der Privatkundenstamm der Bank umfasst die Landkreise Lehigh, Northampton, Monroe, Carbon und Pike.

Kundensegment	Gesamtzahl	Durchschnittlicher Kontostand
Privatkunden	92,000	$47,500

Kleine bis mittlere lokale Unternehmen

ESSA Bancorp unterstützt 3.742 kleine und mittlere Unternehmen in seiner Geschäftsregion.

• Durchschnittliche Kredithöhe für Unternehmen: 275.000 $
• Gesamtportfolio an gewerblichen Krediten: 412 Millionen US-Dollar
• Bindungsrate Geschäftskunden: 87 %

Gewerbeimmobilienentwickler

Die Bank unterhält Beziehungen zu 214 Gewerbeimmobilienentwicklern im Nordosten von Pennsylvania.

Immobiliensegment	Insgesamt Entwickler	Gesamte gewerbliche Immobilienkredite
Gewerbeimmobilien	214	587 Millionen US-Dollar

Privat- und Geschäftsbankkunden

ESSA Bancorp betreut insgesamt 127.500 Bankkunden in Privat- und Geschäftssegmenten.

• Persönliche Bankkunden: 104.750
• Firmenkunden: 22.750
• Gesamteinlagenbasis: 2,1 Milliarden US-Dollar

Lokale Gemeinschaftsorganisationen

ESSA Bancorp unterstützt 86 lokale Gemeinschaftsorganisationen durch Bankdienstleistungen und Gemeindeentwicklungsprogramme.

Organisationstyp	Anzahl der Organisationen	Gesamtinvestition der Gemeinschaft
Lokale Gemeinschaftsorganisationen	86	1,2 Millionen US-Dollar

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Finanzbericht 2023 unterhielt ESSA Bancorp 55 Filialen in ganz Pennsylvania. Die Gesamtbetriebskosten der Filiale beliefen sich auf 12,4 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten
Miete und Belegung	4,2 Millionen US-Dollar
Dienstprogramme	1,6 Millionen US-Dollar
Wartung	$890,000

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter für ESSA Bancorp belief sich im Jahr 2023 auf 36,7 Millionen US-Dollar.

• Durchschnittliches Mitarbeitergehalt: 68.500 $
• Gesamtzahl der Vollzeitbeschäftigten: 535
• Zuteilung von Leistungen an Arbeitnehmer: 22 % der Gesamtvergütung

Wartung von Technologie und digitaler Infrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 4,9 Millionen US-Dollar.

Technologieaufwand	Jährliche Kosten
IT-Infrastruktur	2,3 Millionen US-Dollar
Cybersicherheit	1,4 Millionen US-Dollar
Digitale Banking-Plattformen	1,2 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 3,6 Millionen US-Dollar.

• Rechts- und Regulierungsberatung: 1,8 Millionen US-Dollar
• Compliance-Software und -Systeme: 1,2 Millionen US-Dollar
• Schulung und Dokumentation: 600.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 betrug 2,1 Millionen US-Dollar.

Marketingkanal	Ausgaben
Digitales Marketing	$850,000
Traditionelle Medien	$650,000
Gemeinschaftspatenschaften	$600,000

ESSA Bancorp, Inc. (ESSA) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete ESSA Bancorp einen Gesamtzinsertrag von 89,4 Millionen US-Dollar und einen Nettozinsertrag von 62,1 Millionen US-Dollar.

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
Gewerbeimmobilien	587,3 Millionen US-Dollar	24,6 Millionen US-Dollar
Wohnhypothek	412,5 Millionen US-Dollar	17,9 Millionen US-Dollar
Verbraucherkredite	156,2 Millionen US-Dollar	6,8 Millionen US-Dollar

Gebühren für Hypothekendarlehen

Die Einnahmen aus Hypothekendarlehensgebühren beliefen sich im Jahr 2023 auf 3,7 Millionen US-Dollar, was einem Rückgang von 12 % gegenüber dem Vorjahr entspricht.

Servicegebühren für das Einlagenkonto

Die Servicegebühren auf Einlagenkonten generierten im Geschäftsjahr 2023 einen Umsatz von 4,2 Millionen US-Dollar.

Art der Servicegebühr	Einnahmen
Überziehungsgebühren	1,9 Millionen US-Dollar
Monatliche Wartungsgebühren	1,5 Millionen Dollar
Sonstige Transaktionsgebühren	0,8 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Vermögensverwaltungsabteilung von ESSA meldete für 2023 Beratungs- und Verwaltungsgebühren in Höhe von 2,5 Millionen US-Dollar.

• Verwaltetes Vermögen: 214,6 Millionen US-Dollar
• Durchschnittlicher Gebührensatz: 1,17 %
• Anzahl der Wealth-Management-Kunden: 1.872

Gebühren für Geschäftsbanktransaktionen

Die Gebühren für Geschäftsbanktransaktionen beliefen sich im Jahr 2023 auf insgesamt 3,1 Millionen US-Dollar.

Transaktionstyp	Gebühreneinnahmen
Überweisungen	1,2 Millionen US-Dollar
ACH-Transaktionen	0,9 Millionen US-Dollar
Händlerdienste	1,0 Millionen US-Dollar

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Value Propositions

You're analyzing the value ESSA Bancorp, Inc. (ESSA), now integrated with CNB Financial Corporation, delivers to its customers as of late 2025. The core value proposition centers on maintaining a local, relationship-focused approach while benefiting from the scale of the combined organization.

The relationship-focused community banking model is preserved through the establishment of the ESSA Bank division of CNB Bank, which continues to operate with a structure that upholds the shared culture and values. This local decision-making framework is supported by the addition of former ESSA leadership, including Gary S. Olson, to the combined boards and the formation of the ESSA Advisory Board. This structure aims to ensure the community banking model is enhanced, not replaced.

The merger significantly expanded the suite of commercial and wealth management products available. The combined entity leverages CNB's infrastructure and a combined larger lending limit. ESSA Bank & Trust, prior to the merger, provided asset management, trust, and investment services, which are now integrated into the larger franchise that projects a pro forma Return on Average Assets (ROAA) of approximately ~1.3% for 2026. The combined company is expected to have approximately $6 billion in total loans post-merger.

The commitment to exceptional customer service is underscored by the cultural alignment noted between the two institutions, described as having a positive experience-oriented culture. While the specific metric of 92% rated 'excellent' or 'very good' is not present in the latest filings, the focus on client-focused services remains a stated priority for the ESSA Bank division.

Stability and security are delivered through a well-capitalized institution, a key benefit leveraged from the merger. As of September 30, 2025, the Corporation's ratio of common shareholders' equity to total assets stood at 9.53%. Furthermore, the pro forma projection for 2026 anticipates a Return on Average Tangible Common Equity (ROATCE) of ~16%. Pre-merger, ESSA maintained a strong Tier 1 capital ratio of 10.3% as of its second fiscal quarter of 2025.

Convenient access across key Eastern Pennsylvania markets was substantially increased. ESSA Bank & Trust operated 19 community offices across the greater Pocono, Lehigh Valley, Scranton/Wilkes-Barre, and suburban Philadelphia areas before the merger. The acquisition added 20 offices to the combined branch network, extending the operating footprint into the Northeastern Pennsylvania Region, including the Lehigh Valley. This expansion positions the pro forma deposit franchise to rank within the Top 3 in the greater Lehigh Valley.

Here is a snapshot of the scale and stability metrics supporting these value propositions as of the merger completion and projections:

Metric	Value/Data Point	Context/Date
Total Assets (Combined Estimate)	Approximately $8 billion	Projected at merger close
Total Deposits (Combined Estimate)	Approximately $7 billion	Projected at merger close
ESSA Offices Added	20	To CNB Bank's branch network
ESSA Pre-Merger Tier 1 Capital Ratio	10.3%	As of Fiscal Q2 2025
Shareholders' Equity to Total Assets Ratio	9.53%	As of September 30, 2025
Pro Forma Efficiency Ratio (2026E)	Approximately ~56%	Projected for 2026

The combined entity is operating with a clear focus on integrating the ESSA Bank division to realize these projected efficiencies and expanded product offerings. Finance: draft 13-week cash view by Friday.

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Customer Relationships

You're looking at how ESSA Bank & Trust, now operating as ESSA Bank, a division of CNB Bank following the July 23, 2025, merger, manages its client interactions in late 2025. The relationship strategy pivots on integrating ESSA's local focus with CNB's expanded scale, which now manages total assets of approximately $8.0 billion.

Dedicated Relationship Managers for commercial and wealth clients

The post-merger strategy emphasizes maintaining a relationship-focused approach, specifically by utilizing CNB's commercial-oriented playbook across the expanded footprint. The expectation is to maintain local decision-making authority for commercial loans, which directly supports the dedicated manager model for high-value clients. The combined entity is positioned to offer an elevated suite of financial products and services to these segments.

High-touch, personalized service at branch locations

The physical network remains a core touchpoint, though its structure has changed following the consolidation. The commitment is to uphold a service-based focus similar to ESSA's historical model. As of March 31, 2025, ESSA Bancorp, Inc. reported total assets of $2.168 billion and a tangible book value per share of $21.93, indicating a solid foundation supporting service continuity.

The branch network evolution is captured here:

Metric	ESSA Bank & Trust (Pre-Merger)	CNB Bank (Post-Merger with ESSA)
Total Community Offices	20	78 across four states
Geographic Focus (ESSA Legacy)	Lehigh Valley, Greater Pocono, Scranton/Wilkes-Barre, suburban Philadelphia	Expanded into Northeastern Region, including Lehigh Valley

The challenge is ensuring that the transition does not erode the personalized feel customers expect from the ESSA division.

Self-service digital banking platforms and mobile access

The relationship model is heavily supplemented by digital tools, aligning with broader industry trends where convenience drives adoption. The goVivo® platform offers features designed for seamless digital management.

• Live Chat Capabilities for real-time assistance.
• Personal Financial Management (PFM) tools integrated into the app.
• Mobile check deposit capabilities.

Industry data suggests that a significant majority of consumers prefer digital interaction; for instance, 77 percent of banking executives globally agree that digital services are the primary strategic focus of their institutions as of 2025. Furthermore, 72% of U.S. adults use mobile banking apps in 2025. Over 83% of U.S. adults had used digital banking services as of 2025.

Community engagement and local support, which is a defintely strong intangible asset

The commitment to community is a stated core value, acting as a significant intangible asset that CNB aims to protect and extend. This local support translates into measurable actions, even as the bank integrates.

• Financial Reality Fairs: five conducted in a prior period to teach budgeting skills.
• Volunteer Hours: eighty employees donated over 875 hours to financial literacy programs.
• Charitable Fundraising: The 12th annual Charity Golf Tournament raised over $42,000 for the American Cancer Society.

The bank commits to reviewing donation requests submitted to local community offices, with all organizations being contacted regarding the decision.

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Channels

You're looking at how the ESSA Bank & Trust operations, now the ESSA Bank division of CNB Bank following the July 23, 2025, merger, reach their customers in late 2025. The channels inherited from ESSA Bancorp, Inc. focus on a blend of local physical presence and modern digital tools.

The primary physical touchpoint remains the established brick-and-mortar network. This network consists of a 20 physical branch locations concentrated in Eastern Pennsylvania, covering areas like the Lehigh Valley, Greater Pocono, Scranton/Wilkes-Barre, and suburban Philadelphia regions.

For day-to-day account management, ESSA Bank & Trust's digital and mobile banking platforms are key. These platforms, branded as goVivo®, offer features like live chat for real-time assistance and integrated Personal Financial Management (PFM) tools.

Specialized services flow through dedicated entities. For insurance and benefits, the channel is ESSA Advisory Services, LLC. Trust and investment fees, which relate to this channel, were reported at $2.0 million for the second quarter ending March 31, 2025, before the full merger impact.

High-touch relationship management is maintained through dedicated personnel. This includes direct commercial lending officers and wealth advisors who service clients directly. The commercial lending book added to the combined entity at the merger closing date was approximately $1.7 billion in loans.

Here's a quick look at some relevant financial scale points as of the third quarter 2025 reporting period, reflecting the combined entity which now includes the ESSA footprint:

Metric	Value/Context	Date/Period
ESSA Community Offices Added	20 community offices	Merger Closing July 23, 2025
Total Combined Branch Network	78 branches across a four-state footprint	As of September 30, 2025
ESSA Loan Portfolio Added	Approximately $1.7 billion in loans	Merger Closing July 23, 2025
Noninterest Income (Trust/Investment Fees)	$2.0 million	Three months ended March 31, 2025
Total Assets (Combined Entity)	Over $8 billion	As of September 30, 2025

You can also access services through other means, which are important for customer convenience:

• Bank By Phone via Customer Service Center at 855-713-8001.
• 24/7 account access through ServiceCall by dialing 1-866-224-7314.
• Surcharge-free ATM access via the MoneyPass® network, which has over 25,000 ATMs nationwide.
• Digital features within the goVivo® app like Mobile Debit Card Controls.

Finance: draft 13-week cash view by Friday.

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Customer Segments

You're looking at the customer base ESSA Bancorp, Inc. served, which, as of late 2025, is now integrated into CNB Financial Corporation following the July 2025 merger. Still, understanding the legacy ESSA segments is key to seeing where the combined entity's focus lies, especially in Eastern Pennsylvania.

Retail customers seeking checking, savings, and mortgage loans form the bedrock of the franchise. This segment is driven by local relationships, which ESSA historically emphasized, evidenced by a customer satisfaction rating of 92% in a recent survey. Before the merger, ESSA's total net loans stood at $1.76 billion as of March 31, 2025. A significant portion of that lending was directed here; residential mortgages specifically totaled $734.8 million at that time. Total deposits for ESSA were $1.69 billion as of March 31, 2025. You'll want to note that core deposits-the sticky, lower-cost kind-represented about 64.3% of that total in the fourth quarter of 2024.

For small to mid-sized businesses requiring commercial lending and cash management, ESSA maintained a presence in its core markets. The commercial lending portion of the loan book was reported at $48.6 million as of March 31, 2025. Post-merger, the combined entity, with total assets exceeding $8.0 billion as of September 30, 2025, absorbed ESSA's loan portfolio, which included $1.7 billion in loans. The strategy, even pre-merger, was centered on maintaining local decision-making authority for these commercial credits to keep that community bank feel.

While the search results don't give a specific Assets Under Management (AUM) figure for ESSA's wealth management and trust services, the bank did offer a comprehensive suite of financial services, including these offerings for high-net-worth individuals. The combined entity, CNB Bank, also provides trust and wealth management services, suggesting continuity for this segment across the expanded footprint. The overall financial strength supporting these services was evident in ESSA's Tier 1 capital ratio, which was a robust 10.3% on March 31, 2025.

The final segment, local municipalities and non-profit organizations in Eastern Pennsylvania, is served by the bank's deep regional roots. ESSA Bank & Trust historically operated across the Poconos, Lehigh Valley, Scranton/Wilkes-Barre, and suburban Philadelphia areas. The combined bank now operates the legacy ESSA Bank as a division, maintaining this local service structure.

Here's a quick look at the loan and deposit composition for the legacy ESSA business as of the end of Q2 2025:

Category	Financial Amount (as of March 31, 2025)	Percentage Context
Total Net Loans	$1.76 billion	Represents the total lending base before the merger
Residential Mortgages	$734.8 million	A key component of the retail lending segment
Commercial Loans	$48.6 million	The reported commercial lending balance
Total Deposits	$1.69 billion	The funding base before the CNB acquisition
Core Deposits	~64.3% of Total Deposits	Reflects the proportion of lower-cost, relationship-based deposits (Q4 2024 data)

You're looking at a customer base that was well-capitalized, with the Tier 1 leverage ratio at 10.0% at the end of 2021, which was a strong foundation entering the strategic changes of 2025. The post-merger entity, as of September 30, 2025, reported a common equity to total assets ratio of 9.53%.

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Cost Structure

You're looking at the cost base for ESSA Bancorp, Inc. as of late 2025, which is heavily influenced by the recent merger activity with CNB Financial Corporation, which closed in July 2025. The figures below reflect the cost structure leading up to and immediately following that significant event.

The most significant recurring cost tied to funding operations was the expense associated with ESSA Bancorp, Inc.'s liabilities during the second quarter of fiscal 2025.

• Interest expense on deposits and borrowings was reported at $11.4 million in Q2 2025.
• The cost structure included specific, non-recurring charges related to the CNB Financial merger.

Merger-related and integration costs for Q2 2025 were explicitly noted as $1.0 million pre-tax.

Noninterest expense, which captures the day-to-day operating costs, saw an increase year-over-year for the three months ended March 31, 2025. This category primarily covers compensation and employee benefits, which management noted were modestly higher even when stripping out the merger costs.

Noninterest Expense Component (Q2 2025)	Reported Amount	Adjusted Amount (Excluding Merger Costs)
Total Noninterest Expense	$12.8 million	N/A
Noninterest Expense Excluding Merger Costs	N/A	$11.8 million
Merger-Related Costs (Pre-tax)	$1.0 million	N/A

The physical footprint, which ESSA Bancorp, Inc. maintained through its subsidiary ESSA Bank & Trust prior to the merger, represented a fixed cost base.

• Occupancy and equipment costs supported a network of 20 community offices throughout eastern Pennsylvania, including the Lehigh Valley, Greater Pocono, Scranton/Wilkes-Barre, and suburban Philadelphia areas.
• The cost structure also carries ongoing expenses for regulatory oversight and compliance requirements inherent to operating as a regulated financial institution.

For context on the combined entity post-merger, the total non-interest expense for the three months ended September 30, 2025 (Q3 2025), was reported at $50.2 million.

ESSA Bancorp, Inc. (ESSA) - Canvas Business Model: Revenue Streams

The revenue streams for ESSA Bancorp, Inc. are fundamentally driven by traditional banking activities, centered on the spread between what the bank earns on its assets and what it pays for its liabilities, supplemented by various fee-based services.

The core of the revenue generation is Net Interest Income. For the fiscal second quarter of 2025, ESSA Bancorp, Inc. reported total interest income of $25.6 million. This income is generated primarily from its loan portfolio, which totaled $1.76 billion in net loans outstanding as of March 31, 2025, and its securities holdings. The net interest margin (NIM) for Q2 2025 was reported at 2.78%, reflecting the current interest rate environment and funding costs. Total interest expense for the quarter rose to $11.4 million.

Beyond interest earnings, ESSA Bancorp, Inc. generates Noninterest Income, which totaled $2.0 million in Q2 2025. This component is composed of several service and transactional fees, which the company noted saw increases in the quarter.

The composition of this noninterest income is detailed by the following streams:

• Noninterest income from service fees on loans and deposits.
• Trust and investment advisory fees, which are a component of the total $2.0 million noninterest income.
• Gain on sale of loans and other non-core banking activities, which also contributed to the quarterly noninterest income figure.

Here's a quick look at the key revenue-related financial metrics for the second quarter of fiscal 2025:

Revenue Metric	Amount (Q2 2025)
Total Interest Income	$25.6 million
Total Noninterest Income	$2.0 million
Net Interest Margin (NIM)	2.78%
Total Net Loans Outstanding	$1.76 billion