ESSA Bancorp, Inc. is a stock holding company of ESSA Bank & Trust (the Bank). ESSA Bancorp, Inc. owns 100% of the outstanding shares of common stock of ESSA Bank & Trust. ESSA Bancorp, Inc. is engaged in the business of holding the common stock of ESSA Bank & Trust. As of September 30, 2010, ESSA Bancorp, Inc. had assets of $1.1 billion, deposits of $540.4 million and stockholders� equity of $171.6 million. ESSA Bank & Trust�s business consists of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings; in residential first mortgage loans, including construction mortgage loans; commercial real estate loans; home equity loans and lines of credit; commercial and consumer loans. It offers a range of deposit accounts, including checking, savings and certificates of deposits. It also offers asset management and trust services. In July 2012, it acquired First Star Bancorp, Inc.