Advertisement
The Ephrata National Bank
Ephrata, PA · FDIC Certificate #7493 · Chartered 03/1
Total assets
$2.39B
Total deposits
$2.02B
Total equity
$225.54M
Net loans
$1.66B
Branches (offices)
22
Net income (YTD)
$11.95M
Rank: #517 of 4,213 U.S. banks by assets · #25 of 109 in Pennsylvania. Assets changed 7.5% and deposits 6.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 11.18% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 12.1% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 81.8% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.39B | 83.8% | |
| Commercial & industrial | $127.04M | 7.7% | |
| Consumer / individual | $75.71M | 4.6% | |
| Construction & development | $70.78M | 4.3% | |
| Agricultural | $37.96M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.77B | $1.58B | $6.29M | $116.31M |
| Jun 2023 | $1.90B | $1.66B | $5.41M | $139.57M |
| Jun 2024 | $2.02B | $1.76B | $9.28M | $160.68M |
| Jun 2025 | $2.22B | $1.90B | $11.03M | $175.65M |
| Jun 2026 | $2.39B | $2.02B | $11.95M | $225.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.83B | 18 |
| Maryland | $189.96M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.02B.
Similar-sized banks
John Marshall Bank ($2.40B) · First Western Bank & Trust ($2.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement