---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-113927"
form_type: "8-K"
ticker: null
cik: "0001382230"
company_name: "ESSA Bancorp, Inc."
filed_at: "2024-04-25T23:59:59+00:00"
generated_at: "2026-06-03T07:41:32.818443+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# ESSA Bancorp Q2 net income $4.6M ($0.48 EPS), stable YoY; margin pressure persists

## Summary
- Net income $4.6M ($0.48 diluted EPS) for Q2 ended March 31, 2024, flat vs $4.7M ($0.48) a year ago.
- Total interest income rose 27.9% to $25.7M; net interest margin narrowed to 2.87% from 3.34% YoY.
- Total net loans grew to $1.71B from $1.68B at Sept 30, 2023; commercial real estate loans up 4.2% to $856.1M.
- Deposits fell to $1.45B from $1.66B at Sept 30, 2023; core deposits were 69.3% of total.
- Tangible book value per share increased to $20.70 from $19.80 at Sept 30, 2023; Tier 1 capital ratio 9.5%.

## SEC filing metadata
- accession: 0001193125-24-113927
- form_type: 8-K
- cik: 0001382230
- company_name: ESSA Bancorp, Inc.
- filed_at: 2024-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/0001193125-24-113927-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/d831830d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-113927
- JSON: https://secwatch.observer/filing/0001193125-24-113927.json
- Plain text: https://secwatch.observer/filing/0001193125-24-113927.txt

## Key facts
- Earnings Releases
  ESSA Bancorp, Inc. reported financial results for fiscal second quarter and fiscal first half periods ended March 31, 2024.
  - Period: fiscal second quarter and fiscal first half periods ended March 31, 2024
  - Result: reported results
  source text: On April 24, 2024, ESSA Bancorp, Inc. (the "Company") issued a press release reporting its financial results for the period ended March 31, 2024.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/0001193125-24-113927-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.