ESSA Bancorp, Inc. functions as the parent company for ESSA Bank & Trust, delivering a comprehensive suite of financial services to individuals, families, and businesses across Pennsylvania. The institution provides diverse deposit products, including personal and commercial checking accounts, savings, interest-bearing demand, money market, and club accounts, alongside certificates of deposit, IRAs, and other qualified retirement plan accounts. Its extensive loan offerings feature first mortgages for the acquisition, construction, or refinancing of one-to-four-family residential properties, commercial real estate loans, home equity loans and lines of credit, as well as various commercial, consumer, deposit-secured, and unsecured personal loans. Furthermore, ESSA extends its services to include insurance benefits consulting—covering health, life, short and long-term disability, dental, vision, 401(K) retirement planning, and individual health products—in addition to asset management, trust, and investment services. As of September 30, 2021, the company operated 21 community branches within Pennsylvania, distributed as follows: seven in Monroe, three in Lehigh, five in Northampton, one in Lackawanna, one in Luzerne, one in Chester, two in Delaware, and one in Montgomery County. Founded in 1916, ESSA Bancorp maintains its headquarters in Stroudsburg, Pennsylvania.