ESSA BANCORP, Inc. (ESSA): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le monde complexe d'Essa Bancorp, Inc., une puissance bancaire régionale qui transforme les services financiers traditionnels grâce à un modèle commercial méticuleusement conçu. Cette institution basée en Pennsylvanie tisse ensemble des connexions communautaires locales, des plateformes numériques innovantes et des expériences bancaires personnalisées pour créer une proposition de valeur unique qui le distingue dans le paysage financier compétitif. De ses partenariats stratégiques à ses offres de services complètes, Essa Bancorp montre comment une banque régionale peut tirer parti de ses forces pour offrir une valeur exceptionnelle aux clients et aux parties prenantes.

ESSA Bancorp, Inc. (ESSA) - Modèle commercial: partenariats clés

Entreprises locales et clients de prêts commerciaux

ESSA Bancorp maintient des partenariats stratégiques avec des entreprises locales en Pennsylvanie, en se concentrant sur les relations de prêt commercial.

Catégorie de partenariat	Nombre de partenariats actifs	Portefeuille total de prêts commerciaux
Partenariats des petites entreprises	127	186,4 millions de dollars
Partenariats commerciaux de taille moyenne	43	92,7 millions de dollars

Promoteurs immobiliers et courtiers hypothécaires

ESSA Bancorp collabore avec des entités régionales de développement immobilier et des courtiers hypothécaires.

• Partenariats du réseau de courtiers hypothécaires: 38 partenariats actifs
• Collaborations de développement immobilier: 22 développeurs régionaux
• Volume total d'origine hypothécaire: 214,3 millions de dollars en 2023

Organisations communautaires et groupes de développement économique régional

ESSA Bancorp s'engage avec les initiatives locales de développement économique.

Type d'organisation	Nombre de partenariats	Investissement communautaire
Groupes de développement économique local	15	3,2 millions de dollars
Programmes de réinvestissement communautaire	9	1,7 million de dollars

Fournisseurs de services financiers tiers

ESSA Bancorp utilise des partenariats stratégiques de services financiers.

• Fournisseurs de services technologiques: 7 partenariats
• Partenaires de traitement des paiements: 4 relations stratégiques
• Fournisseurs de solutions bancaires numériques: 3 collaborations actives

Partenaires de gestion de l'assurance et de la patrimoine

ESSA Bancorp maintient des partenariats pour des services financiers complets.

Catégorie de partenariat	Nombre de partenaires	Total des actifs sous gestion
Assureurs	6	92,6 millions de dollars
Sociétés de gestion de patrimoine	4	127,3 millions de dollars

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: Activités clés

Services de vente au détail et commerciaux

En 2024, ESSA Bancorp fournit des services bancaires avec un actif total de 2,57 milliards de dollars. La banque exploite 26 succursales à service complet à travers la Pennsylvanie.

Catégorie de service	Volume total
Prêts commerciaux	587,4 millions de dollars
Prêts à la consommation	412,6 millions de dollars

Prêts hypothécaires et origine

ESSA Bancorp provient des prêts hypothécaires résidentiels avec un portefeuille d'une valeur de 1,23 milliard de dollars en 2024.

• Volume d'origine du prêt hypothécaire résidentiel: 245,7 millions de dollars
• Taille moyenne du prêt hypothécaire: 327 000 $
• Taux d'approbation du prêt hypothécaire: 68%

Gestion des comptes de dépôt

Type de compte	Dépôts totaux
Comptes chèques	892,5 millions de dollars
Comptes d'épargne	456,2 millions de dollars
Comptes de marché monétaire	213,8 ​​millions de dollars

Développement de la plate-forme bancaire numérique

ESSA Bancorp a investi 3,2 millions de dollars dans l'infrastructure de technologies bancaires numériques en 2024.

• Utilisateurs de la banque mobile: 42 500
• Transactions bancaires en ligne: 1,7 million par trimestre
• Investissement de sécurité de la plate-forme numérique: 620 000 $

Investissement communautaire et création de relations

ESSA Bancorp a engagé 4,5 millions de dollars dans les initiatives de développement communautaire en 2024.

Zone d'investissement	Allocation
Assistance commerciale locale	1,8 million de dollars
Subventions au développement communautaire	1,2 million de dollars
Bourses éducatives	$500,000

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: Ressources clés

Strong Regional Banking Network en Pennsylvanie

Essa Bancorp opère principalement dans le nord-est de la Pennsylvanie avec les détails du réseau suivant:

Métrique du réseau	Données quantitatives
Emplacements totaux de succursales physiques	35 bureaux bancaires
Couverture géographique	Comtés de Lehigh, Northampton, Monroe, Carbon et Schuylkill
Taille	2,9 milliards de dollars au 31 décembre 2023

Professionnels de la gestion et de la banque expérimentés

Composition de l'équipe de gestion:

• Expérience bancaire moyenne: 22 ans
• Équipe de direction exécutive: 7 cadres supérieurs
• Total des employés: environ 400

Infrastructure de technologie bancaire numérique avancée

Ressource technologique	Spécification
Plateforme bancaire en ligne	Système bancaire basé sur le cloud avancé
Application bancaire mobile	iOS et Android compatible
Investissement en cybersécurité	Budget annuel de sécurité technologique de 1,2 million de dollars

Base de dépôt client substantiel

Répartition du portefeuille de dépôt:

Catégorie de dépôt	Montant total
Dépôts totaux	2,5 milliards de dollars
Dépôts d'intérêt sans intérêt	312 millions de dollars
Dépôts porteurs d'intérêt	2,188 milliards de dollars

Réseau de succursales physique dans le nord-est de la Pennsylvanie

• Total des succursales: 35
• Zones de service primaires: Lehigh Valley, Pocono Mountains
• Distribution des succursales: emplacements urbains et suburbains

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: propositions de valeur

Expérience bancaire locale personnalisée

Au quatrième trimestre 2023, ESSA Bancorp a exploité 26 bureaux bancaires communautaires à service complet situés dans le nord-est de la Pennsylvanie. La banque dessert les comtés de Lehigh, Northampton, Monroe, Pike et Wayne avec une base totale d'actifs de 2,98 milliards de dollars.

Couverture géographique	Nombre de branches	Actif total
Nord-Est Pennsylvanie	26	2,98 milliards de dollars

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Au 31 décembre 2023, Essa Bancorp a rapporté:

• Revenu net des intérêts de 83,5 millions de dollars
• Portefeuille de prêts de 2,33 milliards de dollars
• Rendement moyen des prêts de 5,42%

Services financiers complets

Catégorie de service	Offres de produits
Banque personnelle	Vérification, économie, hypothèque, prêts personnels
Banque d'affaires	Prêts commerciaux, chèques commerciaux, gestion de trésorerie

Service client réactif

Essa Bancorp a maintenu un Évaluation de satisfaction du client de 4,2 sur 5 Basé sur des enquêtes client indépendantes en 2023.

Solutions bancaires axées sur la communauté

En 2023, Essa Bancorp a investi 1,2 million de dollars dans les programmes locaux de développement communautaire et de soutien aux petites entreprises dans le nord-est de la Pennsylvanie.

• Investissements au développement communautaire: 1,2 million de dollars
• Prêts locaux pour les petites entreprises: 156 millions de dollars
• Évaluation de la loi sur le réinvestissement communautaire: satisfaisant

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: relations clients

Relations bancaires personnelles avec les clients locaux

Depuis le quatrième trimestre 2023, Essa Bancorp maintient 42 emplacements de succursales principalement dans le nord-est de la Pennsylvanie. La banque dessert environ 58 000 comptes clients en mettant l'accent sur les services bancaires locaux personnalisés.

Segment de clientèle	Nombre de comptes	Solde moyen du compte
Vérification personnelle	34,500	$7,250
Économies personnelles	23,800	$12,350

Canaux de service client direct

ESSA Bancorp fournit plusieurs points d'accès au service client:

• 42 Emplacements de succursales physiques
• Centre d'appels de support client 24/7 24/7
• Assistance de chat en ligne
• Service client par courrier électronique

Plateformes bancaires numériques

Statistiques bancaires numériques pour ESSA Bancorp à partir de 2023:

Plate-forme numérique	Utilisateurs actifs	Volume de transaction annuel
Application bancaire mobile	26,500	1,2 million de transactions
Site Web de banque en ligne	35,700	2,4 millions de transactions

Programmes d'engagement communautaire

ESSA Bancorp a investi 375 000 $ dans des initiatives de soutien communautaire locales en 2023, notamment:

• Bourses éducatives locales
• Subventions au développement des petites entreprises
• Soutien aux infrastructures communautaires

Gestion des relations avec les clients commerciaux et commerciaux

Statistiques des relations bancaires commerciales pour 2023:

Segment d'entreprise	Nombre de clients commerciaux	Portefeuille total de prêts commerciaux
Petite entreprise	1,250	185 millions de dollars
Entreprises moyennes	350	212 millions de dollars

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2023, Essa Bancorp exploite 33 emplacements de succursales à service complet principalement concentrés dans le nord-est de la Pennsylvanie.

Type d'emplacement de la succursale	Nombre de branches	Couverture géographique
Branches à service complet	33	Nord-Est Pennsylvanie

Plateforme bancaire en ligne

ESSA Bancorp fournit des services bancaires en ligne complets via sa plate-forme Web sécurisée.

• Services bancaires numériques disponibles 24/7
• Accès sécurisé
• Paiement de facture en ligne
• Transferts de fonds

Application bancaire mobile

ESSA propose une application bancaire mobile compatible avec les plates-formes iOS et Android.

Fonctionnalités d'application mobile	Disponibilité
Dépôt de chèques mobiles	Oui
Suivi du solde du compte	Oui

Services bancaires téléphoniques

ESSA fournit un support client via des canaux bancaires téléphoniques dédiés.

• Heures de service à la clientèle: du lundi au vendredi, de 8h à 18h
• Support limité du week-end disponible

Réseau ATM

ESSA maintient un vaste réseau ATM avec 45 machines propriétaires dans sa région de service.

Détails du réseau ATM	Quantité
Machines ATM total	45
Transactions ATM gratuites pour les titulaires de compte	Illimité

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: segments de clients

Clients résidentiels du nord-est de la Pennsylvanie

En 2023, Essa Bancorp dessert environ 92 000 clients résidentiels dans le nord-est de la Pennsylvanie. La clientèle résidentielle de la banque couvre les comtés de Lehigh, Northampton, Monroe, Carbon et Pike.

Segment de clientèle	Nombre total	Solde moyen du compte
Clients résidentiels	92,000	$47,500

Petites et moyennes entreprises locales

Essa Bancorp soutient 3 742 petites et moyennes entreprises de sa région opérationnelle.

• Taille moyenne des prêts commerciaux: 275 000 $
• Portfolio total de prêts commerciaux: 412 millions de dollars
• Taux de rétention de la clientèle d'entreprise: 87%

Promoteurs immobiliers commerciaux

La banque entretient des relations avec 214 promoteurs immobiliers commerciaux à travers le nord-est de la Pennsylvanie.

Segment immobilier	Développeurs totaux	Prêts immobiliers commerciaux totaux
Immobilier commercial	214	587 millions de dollars

Clients bancaires personnels et commerciaux

ESSA Bancorp dessert 127 500 clients bancaires au total dans des segments personnels et commerciaux.

• Clients bancaires personnels: 104,750
• Clients bancaires d'entreprise: 22,750
• Base de dépôt total: 2,1 milliards de dollars

Organisations communautaires locales

ESSA Bancorp soutient 86 organisations communautaires locales par le biais de services bancaires et de programmes de développement communautaire.

Type d'organisation	Nombre d'organisations	Investissement total de la communauté
Organisations communautaires locales	86	1,2 million de dollars

ESSA Bancorp, Inc. (ESSA) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

En 2023, les rapports financiers, Essa Bancorp a maintenu 55 succursales à travers la Pennsylvanie. Les dépenses d'exploitation totale de succursales étaient de 12,4 millions de dollars par an.

Catégorie de dépenses	Coût annuel
Loyer et occupation	4,2 millions de dollars
Services publics	1,6 million de dollars
Entretien	$890,000

Salaires et avantages sociaux des employés

La rémunération totale des employés pour ESSA Bancorp en 2023 était de 36,7 millions de dollars.

• Salaire moyen des employés: 68 500 $
• Total des employés à temps plein: 535
• Attribution des avantages sociaux: 22% de la rémunération totale

Maintenance de la technologie et des infrastructures numériques

Les investissements sur les infrastructures technologiques ont totalisé 4,9 millions de dollars en 2023.

Dépenses technologiques	Coût annuel
Infrastructure informatique	2,3 millions de dollars
Cybersécurité	1,4 million de dollars
Plateformes bancaires numériques	1,2 million de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 étaient de 3,6 millions de dollars.

• Conseil juridique et réglementaire: 1,8 million de dollars
• Logiciel et systèmes de conformité: 1,2 million de dollars
• Formation et documentation: 600 000 $

Frais de marketing et d'acquisition des clients

Le budget marketing de 2023 était de 2,1 millions de dollars.

Canal de marketing	Dépense
Marketing numérique	$850,000
Médias traditionnels	$650,000
Parrainages communautaires	$600,000

ESSA BANCORP, Inc. (ESSA) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, ESSA Bancorp a déclaré un revenu total d'intérêts de 89,4 millions de dollars, avec un revenu d'intérêt net de 62,1 millions de dollars.

Catégorie de prêt	Solde total des prêts	Revenu d'intérêt
Immobilier commercial	587,3 millions de dollars	24,6 millions de dollars
Hypothèque résidentielle	412,5 millions de dollars	17,9 millions de dollars
Prêts à la consommation	156,2 millions de dollars	6,8 millions de dollars

Frais de prêt hypothécaire

Le revenu des frais de prêt hypothécaire pour 2023 était de 3,7 millions de dollars, ce qui représente une baisse de 12% par rapport à l'année précédente.

Frais de service de compte de dépôt

Les frais de service sur les comptes de dépôt ont généré 4,2 millions de dollars de revenus pour l'exercice 2023.

Type de charge de service	Revenu
Frais de découvert	1,9 million de dollars
Frais de maintenance mensuels	1,5 million de dollars
Autres frais de transaction	0,8 million de dollars

Services d'investissement et de gestion de la patrimoine

La division de gestion de la patrimoine de l'ESSA a déclaré 2,5 millions de dollars de frais de conseil et de gestion pour 2023.

• Actifs sous gestion: 214,6 millions de dollars
• Taux de frais moyen: 1,17%
• Nombre de clients de gestion de patrimoine: 1 872

Frais de transaction bancaire commerciale

Les frais de transaction bancaire commerciale ont totalisé 3,1 millions de dollars en 2023.

Type de transaction	Revenu
Virements	1,2 million de dollars
Transactions ACH	0,9 million de dollars
Services marchands	1,0 million de dollars

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