ESSA Bancorp Inc Asset Resilience Ratio
ESSA Bancorp Inc asset resilience ratio. ESSA Bancorp Inc (ESSA) has an Asset Resilience Ratio of 0.32% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See ESSA days of operational coverage to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of ESSA Bancorp Inc (2005–2024)
Asset resilience ratio of ESSA Bancorp Inc from 2005 to 2024. This chart shows how ESSA Bancorp Inc's Asset Resilience Ratio has changed over time. Read ESSA total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down ESSA Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see balance sheet size of ESSA Bancorp Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $6.93 Million | 0.32% |
| Total Liquid Assets | $6.93 Million | 0.32% |
Asset Resilience Insights
- Limited Liquidity: ESSA Bancorp Inc maintains only 0.32% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
ESSA Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare ESSA Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
ESSA Bancorp Inc Asset Resilience Ratio by Year (2005–2024)
ESSA Bancorp Inc asset resilience ratio by year from 2005 to 2024. The table below shows the annual Asset Resilience Ratio data for ESSA Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-09-30 | 9.87% | $215.87 Million | $2.19 Billion | -4.70pp |
| 2023-09-30 | 14.57% | $334.06 Million | $2.29 Billion | +3.36pp |
| 2022-09-30 | 11.21% | $208.65 Million | $1.86 Billion | -1.72pp |
| 2021-09-30 | 12.92% | $240.58 Million | $1.86 Billion | +1.70pp |
| 2020-09-30 | 11.22% | $212.48 Million | $1.89 Billion | -6.19pp |
| 2019-09-30 | 17.42% | $313.39 Million | $1.80 Billion | -2.84pp |
| 2018-09-30 | 20.26% | $371.44 Million | $1.83 Billion | -1.62pp |
| 2017-09-30 | 21.87% | $390.45 Million | $1.79 Billion | -0.15pp |
| 2016-09-30 | 22.03% | $390.41 Million | $1.77 Billion | -1.59pp |
| 2015-09-30 | 23.62% | $379.41 Million | $1.61 Billion | -0.71pp |
| 2014-09-30 | 24.33% | $383.08 Million | $1.57 Billion | +1.33pp |
| 2013-09-30 | 23.00% | $315.62 Million | $1.37 Billion | -0.23pp |
| 2012-09-30 | 23.23% | $329.58 Million | $1.42 Billion | +0.87pp |
| 2011-09-30 | 22.36% | $245.39 Million | $1.10 Billion | -1.18pp |
| 2010-09-30 | 23.54% | $252.34 Million | $1.07 Billion | +2.66pp |
| 2009-09-30 | 20.88% | $217.57 Million | $1.04 Billion | +0.34pp |
| 2008-09-30 | 20.54% | $204.08 Million | $993.48 Million | -2.00pp |
| 2007-09-30 | 22.55% | $205.27 Million | $910.41 Million | +22.40pp |
| 2006-09-30 | 0.15% | $1.05 Million | $725.80 Million | -1.08pp |
| 2005-09-30 | 1.23% | $8.05 Million | $656.07 Million | -- |
About ESSA Bancorp Inc
As of July 23, 2025, ESSA Bancorp, Inc. was acquired by CNB Financial Corporation. ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certifica… Read more