Essa Bank & Trust Foundation
Only null% goes to programs Strong reserves Growing revenue
Essa Bank & Trust Foundation is a 501(c)(3) organization based in Stroudsburg, Pennsylvania, registered in 2009, with $242,040 in FY2024 revenue. CharityIndex grades it F.
Po Box L, Stroudsburg, PA, 18360 EIN 20-8227643 Since 2009
Revenue (FY2024)
$242K
▼ 19.3% vs prior year
Philanthropy median: $168K
Expenses (FY2024)
$364K
Net assets
$4.5M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
F
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Essa Bank & Trust Foundation— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
FFinancial health25% of the rating149 mo reserves · -50% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Essa Bank & Trust Foundation: 149 mo reserves · -50% margin earns a F on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Essa Bank & Trust Foundation— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Essa Bank & Trust Foundation: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
- Address
- Po Box L, Stroudsburg, PA, 18360
- City
- Stroudsburg
- State
- Pennsylvania
- Subcategory
- Private Foundations
Financial trends
Revenue declined from $761K (FY2013) to $242K (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $2,655Net assets $4.5M
Operating margin
-50.3%
Spent more than it raised in the latest fiscal year.
Total assets
$4.5M
Total liabilities
$2,655
Net assets
$4.5M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $242,040▼19.3% | $363,738▼56.0% | $4,513,020▼7.3% | $4,515,675▼7.3% | 990PF |
| 2023 | $299,880▼50.4% | $826,181▼49.6% | $4,867,247▼17.6% | $4,869,977▼17.6% | 990PF |
| 2022 | $604,097▲204% | $1,639,305▼11.0% | $5,904,151▼8.4% | $5,906,988▼8.4% | 990PF |
| 2021 | $198,542▼32.7% | $1,841,059▲41.3% | $6,448,636▼12.4% | $6,451,903▼12.4% | 990PF |
| 2020 | $294,794▼34.7% | $1,303,382▲61.0% | $7,362,541▼18.5% | $7,364,657▼18.5% | 990PF |
| 2019 | $451,211▲11.1% | $809,381▼14.9% | $9,037,093▼0.1% | $9,038,914 | 990PF |
| 2018 | $406,266▲37.2% | $951,401▼2.1% | $9,042,127▼7.5% | $9,042,127▼7.5% | 990PF |
| 2017 | $296,199▼41.9% | $971,976▲7.0% | $9,775,457▼7.1% | $9,775,457▼7.1% | 990PF |
| 2016 | $510,239▲35.3% | $908,808▼9.5% | $10,520,853▲2.2% | $10,520,853▲2.2% | 990PF |
| 2015 | $377,171▲4.9% | $1,004,578▲20.5% | $10,292,821▼0.7% | $10,292,821▼0.7% | 990PF |
| 2014 | $359,711▼52.8% | $833,823▼8.3% | $10,361,674▼1.2% | $10,361,674▼1.2% | 990PF |
| 2013 | $761,452 | $909,767▲26.4% | $10,492,100▼4.6% | $10,492,100▼4.6% | 990PF |
| 2012 | — | $719,585 | $10,998,336 | $10,998,336 | 990PF |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
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Frequently asked questions
- Is Essa Bank & Trust Foundation a legitimate nonprofit?
- Yes. Essa Bank & Trust Foundation is a 501(c)(3) organization registered with the U.S. Internal Revenue Service under EIN 20-8227643, based in Stroudsburg, Pennsylvania. Donations are tax-deductible.
- What is Essa Bank & Trust Foundation's EIN?
- Essa Bank & Trust Foundation's Employer Identification Number (EIN) is 20-8227643.
- How much revenue does Essa Bank & Trust Foundation report?
- Essa Bank & Trust Foundation reported $242,040 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Essa Bank & Trust Foundation have?
- CharityIndex grades Essa Bank & Trust Foundation F, based on financial health (reserves and operating margin).
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Data for Essa Bank & Trust Foundation (EIN 20-8227643) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.