0000943374-24-000334.txt : 20240725 0000943374-24-000334.hdr.sgml : 20240725 20240725120129 ACCESSION NUMBER: 0000943374-24-000334 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240724 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240725 DATE AS OF CHANGE: 20240725 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ESSA Bancorp, Inc. CENTRAL INDEX KEY: 0001382230 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] ORGANIZATION NAME: 02 Finance IRS NUMBER: 208023072 FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33384 FILM NUMBER: 241140746 BUSINESS ADDRESS: STREET 1: 200 PALMER STREET CITY: STROUDSBURG STATE: PA ZIP: 18360 BUSINESS PHONE: (570) 421-0531 MAIL ADDRESS: STREET 1: 200 PALMER STREET CITY: STROUDSBURG STATE: PA ZIP: 18360 8-K 1 form8k_072424.htm ESSA BANCORP, INC. FORM 8-K JULY 24, 2024
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 24, 2024

ESSA Bancorp, Inc.
(Exact Name of Registrant as Specified in its Charter)

Pennsylvania
001-33384
20-8023072
(State or Other Jurisdiction)
(Commission File No.)
(I.R.S. Employer
of Incorporation)
  
Identification No.)
     
200 Palmer Street, Stroudsburg, Pennsylvania
  
18360
(Address of Principal Executive Offices)
  
(Zip Code)

Registrant’s telephone number, including area code: (570) 421-0531

Not Applicable
(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:

Title of each class
  
Trading Symbol(s)
  
Name of each exchange on which registered
Common Stock
  
ESSA
  
The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operation and Financial Condition.

On July 24, 2024, ESSA Bancorp, Inc. (the “Company”) issued a press release reporting its financial results for the period ended June 30, 2024.

A copy of the press release announcing the results is attached as Exhibit 99.1.  The information in this Item 2.02, as well as Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits.

(a)
Financial Statements of Businesses Acquired.  Not applicable.
(b)
Pro Forma Financial Information.  Not applicable.
(c)
(d)
Shell Company Transactions.  Not applicable.
Exhibits.

Exhibit No. Description


 99.1


104
Cover Page Interactive Data File (embedded within the Inline XBRL document).





SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.



   
ESSA BANCORP, INC.
 
 
DATE:  July 25, 2024
By:  
 /s/ Gary S. Olson 
   
Gary S. Olson, President and
   
Chief Executive Officer

EX-99.1 2 ex99-1_8k072424.htm PRESS RELEASE ISSUED BY THE COMPANY ON JULY 24, 2024 ANNOUNCING ITS FINANCIAL RESULTS FOR THE PERIOD ENDED JUNE 30, 2024
EXHIBIT 99.1



ESSA Bancorp, Inc. Announces Fiscal Third Quarter
and Fiscal Nine Months 2024 Financial Results

Stroudsburg, PA. – July 24, 2024 — ESSA Bancorp, Inc. (the “Company”) (NASDAQ:ESSA), the holding company for ESSA Bank & Trust (the “Bank”), a $2.2 billion asset financial institution providing full service commercial and retail banking, asset management and trust, and investment services in eastern Pennsylvania, today announced financial results for the fiscal third quarter and fiscal nine months periods ended June 30, 2024.
Net income was $3.9 million, or $0.41 per diluted share, for the three months ended June 30, 2024, compared with $4.4 million, or $0.45 per diluted share, for the three months ended June 30, 2023. For the nine months ended June 30, 2024, net income was $12.8 million, or $1.34 per diluted share, compared with $13.9 million, or $1.44 per diluted share, for the nine months ended June 30, 2023.
Gary S. Olson, President and CEO, commented: “The Company delivered another quarter of steady earnings and enhanced shareholder value by focusing on operating efficiently, maintaining asset strength, and managing the diversity and risk characteristics of our loan, deposit and investment portfolios.
“Commercial and residential lending activity generated significant year-over-year interest income growth in the third quarter and year to date periods. At the same time, higher interest rates have continued to pressure margins, particularly the higher cost of interest-bearing liabilities including borrowings and retail deposits.
“Generating and retaining retail deposits continues to be one of the Bank’s key initiatives.  We have selectively adjusted rates on interest bearing accounts and avoided chasing customers by offering the highest rates.    We are committed to maintaining a desirable loan-to-deposit ratio.
“Expense management and asset quality are critical to supporting quality earnings. The 0.56% ratio of non-performing assets to total assets at June 30, 2024, reflected the ongoing strength of our credit and risk management practices, as did a reduction in the provision for credit losses based on anticipated risk.
“Noninterest expenses, including salaries and benefits, remained relatively flat year-over-year. We are committed to providing attractive compensation and benefits to retain an outstanding team of banking professionals. They have played a critical role in the Company’s performance, and in providing the financial solutions to our valued customers.”
THIRD QUARTER, NINE MONTHS OF 2024 HIGHLIGHTS
•
Total interest income increased 17.9% to $25.7 million in the third quarter of 2024 compared with the third quarter of 2023, and in the nine months of 2024 rose 28.1% to $77.4 million compared with the nine months of 2023, primarily reflecting ongoing repricing of commercial loans and increased yields from investment securities along with growth in total interest earning assets.
•
Total yield on average interest earning assets increased to 5.02% for the quarter ended June 30, 2024, from 4.60% for the quarter ended June 30, 2023.
•
Total interest expense increased 76.3% to $11.5 million in the third quarter of 2024 compared with the third quarter of 2023, and in the nine months of 2024 rose 132.4% to $33.5 million compared with the nine months of 2023, primarily reflecting ongoing repricing of deposits and borrowed funds along with growth in total interest-bearing liabilities.


•
Total cost of interest-bearing liabilities increased to 2.80% for the quarter ended June 30, 2024, from 1.75% for the quarter ended June 30, 2023.
•
Net interest income before the provision for credit losses for the third quarter and nine months of 2024 was $14.2 million and $43.9 million, respectively, compared with $15.2 million and $46.0 million in the 2023 periods, respectively. Both 2024 periods reflected higher interest expenses compared with a year earlier.
•
The provision for credit losses for the three months ended June 30, 2024, was a release of $347,000 compared to a provision of $150,000 for the three months ended June 30, 2023.  The provision for the nine-month period in 2024 was a release of $1.2 million compared to a provision of $450,000 for the same period in 2023.
•
Total net loans at June 30, 2024, increased to $1.71 billion from $1.68 billion at September 30, 2023.
•
Lending activity was highlighted by 3.1% growth in commercial real estate loans to $847.6 million at June 30, 2024, from $822.0 million at September 30, 2023. Residential mortgages increased $87,000 from September 30, 2023, net of the sales of $15.2 million of mortgage loans during the same period.
•
Asset quality remained strong, with a ratio of nonperforming assets to total assets of 0.56% at June 30, 2024, compared to 0.63% at September 30, 2023. The allowance for credit losses to total loans was 0.89% at June 30, 2024, compared with 1.09% at September 30, 2023.  Charge-offs net of recoveries for the nine months ended June 30, 2024, resulted in a net recovery of $137,000.
•
Total deposits were $1.55 billion at June 30, 2024, with lower-cost core deposits (demand, savings and money market accounts) comprising 64% of total deposits. Total deposits were $1.66 billion at September 30, 2023, with core deposits comprising 70% of total deposits.  Uninsured deposits were 26% of total deposits at June 30, 2024, including approximately $149.1 million of fully collateralized municipal deposits.
•
The Bank continued to demonstrate financial strength, with a Tier 1 capital ratio of 9.8% at June 30, 2024.
•
Measures of shareholder value demonstrated growth. Tangible book value per share at June 30, 2024, increased to $20.89 from $19.80 at September 30, 2023. Total stockholders’ equity increased to $225.5 million at June 30, 2024, from $219.7 million at September 30, 2023. The Company further enhanced shareholder value by repurchasing 303,609 ESSA shares in the first fiscal quarter of 2024.
Fiscal Third quarter and Year-to-date 2024 Income Statement Review
Total interest income increased to $25.7 million for the third quarter of fiscal 2024 compared with $21.8 million a year earlier, reflecting interest earning asset growth and an increase in the total yield on average interest earning assets to 5.02% from 4.60%.
Total interest income increased to $77.4 million for the nine months ended June 30, 2024, compared with $60.4 million a year earlier, reflecting interest-earning asset growth and an increase in the total yield on average interest earning assets to 4.96% from 4.38%.
Interest expense was $11.5 million for the third quarter of 2024, compared with $6.5 million for the same period in 2023, reflecting growth in interest-bearing liabilities and increased interest rates on deposits and short-term borrowings. The Company’s cost of interest-bearing liabilities was 2.80% in the 2024 third quarter compared with 1.75% for the same quarter in 2023.

Interest expense was $33.5 million for the nine months ended June 30, 2024, compared with $14.4 million for the same period in 2023, reflecting growth in interest-bearing liabilities and increased interest rates on deposits and short-term borrowings.  The Company’s cost of interest-bearing liabilities was 2.66% for the nine-month period in fiscal 2024 compared with 1.34% for the same period in fiscal 2023.
Net interest income before (release of) provision for credit losses was $14.2 million in the third quarter of 2024 compared with net interest income before provision for credit losses of $15.2 million in the third quarter of 2023. In the nine months of 2024, net interest income before (release of) provision for credit losses was $43.9 million compared with net interest income before provision for credit losses in the nine months of 2023 of $46.0 million.
The net interest margin for the third quarter of 2024 was 2.77% compared with 3.22% for the comparable period of fiscal 2023. For the three months ended June 30, 2024, the Company’s return on average assets and return on average equity were 0.72% and 6.96%, compared with 0.88% and 7.97%, respectively, for the comparable period of fiscal 2023.
The net interest margin for the nine months ended June 30, 2024, was 2.81% compared with 3.34% for the comparable period of fiscal 2023. For the nine months ended June 30, 2024, the Company’s return on average assets and return on average equity were 0.78% and 7.68%, compared with 0.96% and 8.52%, respectively, for the comparable period of fiscal 2023.
 The provision for credit losses decreased $497,000 for the third quarter of fiscal 2024 compared to the same fiscal quarter of 2023.  The decrease was primarily driven by a decrease in expected losses in the loan portfolio, including unfunded commitments.
The provision for credit losses decreased $1.7 million for the nine months ended June 30, 2024, compared to the same period in 2023.  The decrease was primarily driven by a decrease in expected losses in the loan portfolio, including unfunded commitments.
Noninterest income was $2.1 million for the third quarter of 2024, compared with $1.9 million a year earlier. The three-month year-over-year comparison reflected increases in other noninterest income, loan swap fees, gain on loan sales and service fees on loans, offset by decreases in service fees on deposits in addition to a decrease in trust and investment fees.
Noninterest income was $6.1 million for the nine months ended June 30, 2024, compared with $5.9 million a year earlier.  The nine-month year-over-year comparison reflected increases in gain on loan sales and in other noninterest income offset by decreases in service fees on deposits and loans along with a decrease in insurance commissions.
Noninterest expense for the third quarter of 2024 was $11.8 million compared to $11.5 million for the comparable quarter in 2023. Noninterest expense for the nine months ended June 30, 2024, was $35.4 million compared to $34.2 million for the comparable period in 2023.
Balance Sheet, Asset Quality and Capital Adequacy Review
Total assets were $2.2 billion at June 30, 2024, compared with $2.3 billion at September 30, 2023.  The decrease of $59.6 million, or 2.6%, reflects the growth in cash and cash equivalents and total net loans outstanding, which were more than offset by decreases in investment securities available for sale.
Total net loans were $1.71 billion at June 30, 2024, up from $1.68 billion at September 30, 2023. Residential real estate loans were $713.4 million at June 30, 2024, compared with $713.3 million at September 30, 2023.  Commercial real estate loans increased to $847.6 million at June 30, 2024, compared with $822.0 million at September 30, 2023.  Commercial loans (primarily commercial and industrial) were $47.7 million compared with $48.1 million at September 30, 2023. Loans to states and political subdivisions were $48.1 million at June
30, 2024, and September 30, 2023.  Consumer loans were $50.0 million at June 30, 2024, compared to $48.2 million at September 30, 2023.
Nonperforming assets were $12.4 million, or 0.56% of total assets at June 30, 2024, compared to $14.4 million or 0.63% at September 30, 2023.  The allowance for credit losses to total loans was 0.89% at June 30, 2024, compared to 1.09% at September 30, 2023.   Foreclosed real estate was $3.2 million at June 30, 2024, compared to $3.3 million at September 30, 2023, reflecting one commercial property the Company is actively marketing.

Total deposits were $1.55 billion at June 30, 2024, compared with $1.66 billion at September 30, 2023. Core deposits were $989.8 million, or 64% of total deposits, at June 30, 2024, compared to $1.16 billion, or 70% of total deposits at September 30, 2023.
Noninterest bearing demand accounts at June 30, 2024, were $261.3 million, down 7% from September 30, 2023. Interest bearing demand accounts declined 16% to $290.6 million and money market accounts declined 22% to $287.3 million at June 30, 2024, from September 30, 2023.  The decreases reflect the continuing highly competitive interest rate environment.    Certificates of deposit increased $60.6 million or 12% to $564.5 million at June 30, 2024, compared to September 30, 2023. Included in the certificates of deposit increase is an increase of $29.1 million in brokered certificates of deposit. Total borrowings increased to $406.5 million at June 30, 2024, from $374.7 million at September 30, 2023.
The Bank maintained a strong capital position with a Tier 1 capital ratio of 9.8% at June 30, 2024, exceeding regulatory standards for a well-capitalized institution. Total stockholders’ equity increased $5.8 million to $225.5 million at June 30, 2024, from $219.7 million at September 30, 2023, primarily reflecting net income growth and a decrease in other comprehensive loss, offset in part by dividends paid to shareholders and the repurchase of 303,609 shares during the fiscal first quarter of 2024. Tangible book value per share at June 30, 2024, was $20.89 compared to $19.80 at September 30, 2023.

About the Company: ESSA Bancorp, Inc. is the holding company for its wholly owned subsidiary, ESSA Bank & Trust, which was formed in 1916. The Company has total assets of $2.2 billion and has 21 community offices throughout the Lehigh Valley, Greater Pocono, Scranton/Wilkes-Barre, and suburban Philadelphia areas. ESSA Bank & Trust offers a full range of commercial and retail financial services, asset management and trust services, investment services through Ameriprise Financial Institutions Group and insurance benefit services through ESSA Advisory Services, LLC.  ESSA Bancorp Inc. stock trades on the NASDAQ Global Market (SM) under the symbol “ESSA.”
Forward-Looking Statements
Certain statements contained herein are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Such forward-looking statements may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as “may,” “will,” “believe,” “expect,” “estimate,” “anticipate,” “continue,” or similar terms or variations on those terms, or the negative of those terms. Forward-looking statements are subject to numerous risks and uncertainties, including, but not limited to, those related to the economic environment, particularly in the market areas in which the Company operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including compliance costs and capital requirements, changes in prevailing interest rates, the recent turmoil in the banking industry , credit risk management, asset-liability management, the financial and securities markets and the availability of and costs associated with sources of liquidity, and the Risk Factors disclosed in our annual, quarterly and current reports.

The Company wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The Company wishes to advise readers that the factors listed above could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.



















FINANCIAL TABLES FOLLOW



ESSA BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEET
(UNAUDITED)
                     
               
June 30,
  
September 30,
               
2024
  
2023
               
(dollars in thousands)
ASSETS
                
 
Cash and due from banks
      
$
               55,300
 $
               39,008
 
Interest-bearing deposits with other institutions
    
               72,699
  
               46,394
 
     Total cash and cash equivalents
      
             127,999
  
               85,402
 
Investment securities available for sale, at fair value
    
             215,201
  
             334,056
 
Investment securities held to maturity, at amortized cost
        
 
  (net of allowance for credit losses of $0)
    
               48,632
  
               52,242
 
Loans, held for sale
        
                    140
  
                    250
 
Loans receivable (net of allowance for credit losses
          
 
  of $15,298 and $18,525)
        
          1,708,572
  
          1,680,525
 
Regulatory stock, at cost
        
               18,758
  
               17,890
 
Premises and equipment, net
      
               11,368
  
               12,913
 
Bank-owned life insurance
        
               39,678
  
               39,026
 
Foreclosed real estate
        
                 3,195
  
                 3,311
 
Intangible assets, net
        
                      —
 
                      91
 
Goodwill
          
               13,801
  
               13,801
 
Deferred income taxes
        
                 5,797
  
                 6,877
 
Derivative and hedging assets
      
               12,289
  
               19,662
 
Other assets
          
               28,204
  
               27,200
                     
   
    TOTAL ASSETS
      
$
          2,233,634
 $
          2,293,246
                     
LIABILITIES
                
 
Deposits
        
$
          1,554,300
 $
          1,661,016
 
Short-term borrowings
        
             396,458
  
             374,652
 
Other borrowings
        
               10,000
  
                      —
 
Advances by borrowers for taxes and insurance
    
               15,242
  
                 6,550
 
Derivative and hedging liabilities
      
                 7,565
  
                 9,579
 
Other liabilities
          
               24,574
  
               21,741
                     
   
    TOTAL LIABILITIES
        
          2,008,139
  
          2,073,538
                     
                     
STOCKHOLDERS' EQUITY
              
 
Common stock
          
                    181
  
                    181
 
Additional paid-in capital
        
             182,889
  
             182,681
 
Unallocated common stock held by the
            
   
Employee Stock Ownership Plan ("ESOP")
    
               (5,670)
  
               (6,009)
 
Retained earnings
        
             160,770
  
             151,856
 
Treasury stock, at cost
        
           (104,050)
  
             (99,508)
 
Accumulated other comprehensive loss
      
               (8,625)
  
               (9,493)
                     
   
    TOTAL STOCKHOLDERS' EQUITY
    
             225,495
  
             219,708
                     
                     
   
    TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
$
          2,233,634
 $
          2,293,246
                     

ESSA BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF OPERATIONS
(UNAUDITED)
           
Three Months Ended June 30,
  
Nine Months Ended June 30,
           
2024
  
2023
  
2024
  
2023
           
(dollars in thousands, except per share data)
    
INTEREST INCOME
                  
 
Loans receivable, including fees
$
                   21,965
  
                   19,132
  
                   65,103
  
                 52,721
 
Investment securities:
                  
   
Taxable
      
                     2,564
  
                     2,161
  
                     9,201
  
                   6,348
   
Exempt from federal income tax
  
                          11
  
                          11
  
                          32
  
                        32
 
Other investment income
    
                     1,122
  
                        461
  
                     3,066
  
                   1,337
   
    Total interest income
  
                   25,662
  
                   21,765
  
                   77,402
  
                 60,438
                         
INTEREST EXPENSE
                  
 
Deposits
      
                     7,973
  
                     4,915
  
                   24,025
  
                 10,733
 
Short-term borrowings
    
                     3,380
  
                     1,606
  
                     9,100
  
                   3,691
 
Other borrowings
    
                        144
  
                         —
 
                        394
  
                       —
   
    Total interest expense
  
                   11,497
  
                     6,521
  
                   33,519
  
                 14,424
                         
NET INTEREST INCOME
    
                   14,165
  
                   15,244
  
                   43,883
  
                 46,014
 
(Release of) Provision for credit losses
  
                       (347)
  
                        150
  
                    (1,240)
  
                      450
                         
NET INTEREST INCOME AFTER (RELEASE OF) PROVISION
            
 
FOR CREDIT LOSSES
    
                   14,512
  
                   15,094
  
                   45,123
  
                 45,564
                         
NONINTEREST INCOME
                  
 
Service fees on deposit accounts
  
                        719
  
                        782
  
                     2,089
  
                   2,343
 
Services charges and fees on loans
  
                        356
  
                        288
  
                        981
  
                      985
 
Loan swap fees
    
                          53
  
                          -
  
                        127
  
                      138
 
Unrealized loss on equity securities
  
                          (1)
  
                          (1)
  
                          (6)
  
                        (4)
 
Trust and investment fees
  
                        400
  
                        426
  
                     1,211
  
                   1,231
 
Gain on sale of loans, net
  
                        112
  
                          39
  
                        288
  
                        97
 
Earnings on bank-owned life insurance
  
                        220
  
                        196
  
                        652
  
                      582
 
Insurance commissions
    
                        133
  
                        145
  
                        395
  
                      459
 
Other
      
                        127
  
                          64
  
                        347
  
                        92
   
    Total noninterest income
  
                     2,119
  
                     1,939
  
                     6,084
  
                   5,923
                         
NONINTEREST EXPENSE
                  
 
Compensation and employee benefits
  
                     6,771
  
                     6,622
  
                   20,190
  
                 20,154
 
Occupancy and equipment
  
                     1,170
  
                     1,068
  
                     3,627
  
                   3,223
 
Professional fees
    
                     1,218
  
                     1,223
  
                     3,282
  
                   3,581
 
Data processing
    
                     1,364
  
                     1,296
  
                     4,066
  
                   3,697
 
Advertising
      
                        116
  
                        181
  
                        491
  
                      535
 
Federal Deposit Insurance Corporation ("FDIC")
            
 
  premiums
      
                        454
  
                        380
  
                     1,309
  
                      748
 
Foreclosed real estate
    
                          -
  
                          (1)
  
                        101
  
                        (4)
 
Amortization of intangible assets
  
                          -
  
                          47
  
                          91
  
                      142
 
Other
      
                        715
  
                        677
  
                     2,222
  
                   2,143
   
    Total noninterest expense
  
                   11,808
  
                   11,493
  
                   35,379
  
                 34,219
                         
Income before income taxes
  
                     4,823
  
                     5,540
  
                   15,828
  
                 17,268
Income taxes
      
                        909
  
                     1,144
  
                     3,015
  
                   3,321
                         
NET INCOME
    
$
                     3,914
$
                     4,396
$
                   12,813
$
                 13,947
                         
Earnings per share:
                  
 
Basic
    
$
                       0.41
$
                       0.45
$
                       1.34
$
                     1.44
 
Diluted
    
$
                       0.41
$
                       0.45
$
                       1.34
$
                     1.44
                         
Dividends per share
  
$
                       0.15
$
                       0.15
$
                       0.45
$
                     0.45



           
 
For the Three Months
  
For the Nine Months
 
Ended June 30,
  
Ended June 30,
 
2024
2023
  
2024
2023
 
(unaudited)
 
(dollars in thousands, except per share data)
CONSOLIDATED AVERAGE BALANCES:
          
    Total assets
$ 2,171,985
$ 2,012,804
  
$ 2,199,980
$ 1,950,672
    Total interest-earning assets
2,056,044
1,899,554
  
2,085,204
1,837,787
    Total interest-bearing liabilities
1,649,117
1,495,520
  
1,682,086
1,431,090
    Total stockholders’ equity
226,090
221,279
  
222,873
218,894
           
PER COMMON SHARE DATA:
          
    Average shares outstanding - basic
9,517,948
9,734,708
  
9,560,306
9,716,593
    Average shares outstanding - diluted
9,517,948
9,734,708
  
9,560,306
9,716,593
    Book value shares
10,131,521
10,401,205
  
10,131,521
10,401,205
           
Net interest rate spread:
2.22%
2.85%
  
2.30%
3.04%
Net interest margin:
2.77%
3.22%
  
2.81%
3.34%


Contact:
Gary S. Olson, President & CEO
Corporate Office:
200 Palmer Street
 
Stroudsburg, Pennsylvania 18360
Telephone:
(570) 421-0531
   

EX-101.SCH 3 essa-20240724.xsd XBRL TAXONOMY EXTENSION SCHEMA 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 essa-20240724_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Cover [Abstract] Document Type Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Amendment Flag Document Fiscal Year Focus Document Fiscal Period Focus Document Period End Date Entity Registrant Name Entity Central Index Key Entity File Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Emerging Growth Company Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code City Area Code Local Phone Number Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name EX-101.PRE 5 essa-20240724_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 7 R1.htm IDEA: XBRL DOCUMENT v3.24.2
Document and Entity Information
Jul. 24, 2024
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Jul. 24, 2024
Entity File Number 001-33384
Entity Registrant Name ESSA Bancorp, Inc.
Entity Central Index Key 0001382230
Entity Incorporation, State or Country Code PA
Entity Tax Identification Number 20-8023072
Entity Address, Address Line One 200 Palmer Street
Entity Address, City or Town Stroudsburg
Entity Address, State or Province PA
Entity Address, Postal Zip Code 18360
City Area Code 570
Local Phone Number 421-0531
Title of 12(b) Security Common Stock
Trading Symbol ESSA
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.24.2 html 1 22 1 false 0 0 false 0 false false R1.htm 000100 - Document - Document and Entity Information Sheet http://essabank.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports essa-20240724.xsd essa-20240724_lab.xml essa-20240724_pre.xml form8k_072424.htm http://xbrl.sec.gov/dei/2023 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "version": "2.2", "instance": { "form8k_072424.htm": { "nsprefix": "essa", "nsuri": "http://essabank.com/20240724", "dts": { "schema": { "local": [ "essa-20240724.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2004/ref-2004-08-10.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd", "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd", "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd", "https://xbrl.sec.gov/country/2023/country-2023.xsd", "https://xbrl.sec.gov/currency/2023/currency-2023.xsd", "https://xbrl.sec.gov/dei/2023/dei-2023.xsd", "https://xbrl.sec.gov/exch/2023/exch-2023.xsd", "https://xbrl.sec.gov/naics/2023/naics-2023.xsd", "https://xbrl.sec.gov/sic/2023/sic-2023.xsd", "https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd" ] }, "labelLink": { "local": [ "essa-20240724_lab.xml" ] }, "presentationLink": { "local": [ "essa-20240724_pre.xml" ] }, "inline": { "local": [ "form8k_072424.htm" ] } }, "keyStandard": 22, "keyCustom": 0, "axisStandard": 0, "axisCustom": 0, "memberStandard": 0, "memberCustom": 0, "hidden": { "total": 2, "http://xbrl.sec.gov/dei/2023": 2 }, "contextCount": 1, "entityCount": 1, "segmentCount": 0, "elementCount": 29, "unitCount": 0, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2023": 22 }, "report": { "R1": { "role": "http://essabank.com/role/DocumentAndEntityInformation", "longName": "000100 - Document - Document and Entity Information", "shortName": "Document and Entity Information", "isDefault": "true", "groupType": "document", "subGroupType": "", "menuCat": "Cover", "order": "1", "firstAnchor": { "contextRef": "c20240724to20240724", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "div", "div", "body", "html" ], "reportCount": 1, "baseRef": "form8k_072424.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "c20240724to20240724", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "div", "div", "body", "html" ], "reportCount": 1, "baseRef": "form8k_072424.htm", "first": true, "unique": true } } }, "tag": { "dei_AmendmentFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "AmendmentFlag", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Amendment Flag", "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission." } } }, "auth_ref": [] }, "dei_CityAreaCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "CityAreaCode", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "City Area Code", "documentation": "Area code of city" } } }, "auth_ref": [] }, "dei_CoverAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "CoverAbstract", "lang": { "en-us": { "role": { "label": "Cover [Abstract]", "documentation": "Cover page." } } }, "auth_ref": [] }, "dei_DocumentFiscalPeriodFocus": { "xbrltype": "fiscalPeriodItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentFiscalPeriodFocus", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Period Focus", "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY." } } }, "auth_ref": [] }, "dei_DocumentFiscalYearFocus": { "xbrltype": "gYearItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentFiscalYearFocus", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Year Focus", "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006." } } }, "auth_ref": [] }, "dei_DocumentPeriodEndDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentPeriodEndDate", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Document Period End Date", "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD." } } }, "auth_ref": [] }, "dei_DocumentType": { "xbrltype": "submissionTypeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentType", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Document Type", "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'." } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine1": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressAddressLine1", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line One", "documentation": "Address Line 1 such as Attn, Building Name, Street Name" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine2": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressAddressLine2", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Two", "documentation": "Address Line 2 such as Street or Suite number" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine3": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressAddressLine3", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Three", "documentation": "Address Line 3 such as an Office Park" } } }, "auth_ref": [] }, "dei_EntityAddressCityOrTown": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressCityOrTown", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, City or Town", "documentation": "Name of the City or Town" } } }, "auth_ref": [] }, "dei_EntityAddressCountry": { "xbrltype": "countryCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressCountry", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, Country", "documentation": "ISO 3166-1 alpha-2 country code." } } }, "auth_ref": [] }, "dei_EntityAddressPostalZipCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressPostalZipCode", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, Postal Zip Code", "documentation": "Code for the postal or zip code" } } }, "auth_ref": [] }, "dei_EntityAddressStateOrProvince": { "xbrltype": "stateOrProvinceItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressStateOrProvince", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Address, State or Province", "documentation": "Name of the state or province." } } }, "auth_ref": [] }, "dei_EntityCentralIndexKey": { "xbrltype": "centralIndexKeyItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityCentralIndexKey", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Central Index Key", "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK." } } }, "auth_ref": [ "r1" ] }, "dei_EntityEmergingGrowthCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityEmergingGrowthCompany", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Emerging Growth Company", "documentation": "Indicate if registrant meets the emerging growth company criteria." } } }, "auth_ref": [ "r1" ] }, "dei_EntityFileNumber": { "xbrltype": "fileNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityFileNumber", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity File Number", "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen." } } }, "auth_ref": [] }, "dei_EntityIncorporationStateCountryCode": { "xbrltype": "edgarStateCountryItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityIncorporationStateCountryCode", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Incorporation, State or Country Code", "documentation": "Two-character EDGAR code representing the state or country of incorporation." } } }, "auth_ref": [] }, "dei_EntityRegistrantName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityRegistrantName", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Registrant Name", "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC." } } }, "auth_ref": [ "r1" ] }, "dei_EntityTaxIdentificationNumber": { "xbrltype": "employerIdItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityTaxIdentificationNumber", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Entity Tax Identification Number", "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS." } } }, "auth_ref": [ "r1" ] }, "dei_LocalPhoneNumber": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "LocalPhoneNumber", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Local Phone Number", "documentation": "Local phone number for entity." } } }, "auth_ref": [] }, "dei_NoTradingSymbolFlag": { "xbrltype": "trueItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "NoTradingSymbolFlag", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "No Trading Symbol Flag", "documentation": "Boolean flag that is true only for a security having no trading symbol." } } }, "auth_ref": [] }, "dei_PreCommencementIssuerTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementIssuerTenderOffer", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Issuer Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act." } } }, "auth_ref": [ "r3" ] }, "dei_PreCommencementTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementTenderOffer", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act." } } }, "auth_ref": [ "r4" ] }, "dei_Security12bTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "Security12bTitle", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Title of 12(b) Security", "documentation": "Title of a 12(b) registered security." } } }, "auth_ref": [ "r0" ] }, "dei_SecurityExchangeName": { "xbrltype": "edgarExchangeCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SecurityExchangeName", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Security Exchange Name", "documentation": "Name of the Exchange on which a security is registered." } } }, "auth_ref": [ "r2" ] }, "dei_SolicitingMaterial": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SolicitingMaterial", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Soliciting Material", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act." } } }, "auth_ref": [ "r5" ] }, "dei_TradingSymbol": { "xbrltype": "tradingSymbolItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "TradingSymbol", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Trading Symbol", "documentation": "Trading symbol of an instrument as listed on an exchange." } } }, "auth_ref": [] }, "dei_WrittenCommunications": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "WrittenCommunications", "presentation": [ "http://essabank.com/role/DocumentAndEntityInformation" ], "lang": { "en-us": { "role": { "label": "Written Communications", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act." } } }, "auth_ref": [ "r6" ] } } } }, "std_ref": { "r0": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b" }, "r1": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-2" }, "r2": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "d1-1" }, "r3": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "13e", "Subsection": "4c" }, "r4": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14d", "Subsection": "2b" }, "r5": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Section": "14a", "Number": "240", "Subsection": "12" }, "r6": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "425" } } } ZIP 15 0000943374-24-000334-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0000943374-24-000334-xbrl.zip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end XML 16 form8k_072424_htm.xml IDEA: XBRL DOCUMENT 0001382230 2024-07-24 2024-07-24 false 0001382230 8-K 2024-07-24 ESSA Bancorp, Inc. PA 001-33384 20-8023072 200 Palmer Street Stroudsburg PA 18360 570 421-0531 false false false false Common Stock ESSA NASDAQ false