Ephrata National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Ephrata National Bank, based in Ephrata, Pennsylvania, reported $2.4 billion in assets at June 30, 2026, up 7.5% from a year earlier. It holds 12% of its deposits (12%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 14.2% and deposits rose 6.7%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.54% of loans, down from 0.70% a year earlier. Costs are the weak spot: it spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Ephrata National Bank reported a CET1 capital ratio of 13.24%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.17%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 31 E Main St, Ephrata, PA 17522
- County
- Lancaster
- Metro Area
- Lancaster, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 1881
- Offices
- 23 domestic
- Employees (FTE)
- 355
- Domestic deposits
- $2.02B
- Allowance for credit losses
- $18.5M
- Net charge-offs (YTD)
- $293K
- Average total assets
- $2.43B
- Average total loans
- $1.67B
- Average interest-bearing deposits
- $1.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7493
- Fed RSSD
- 425911
- SEC CIK
- 1437479 → filed by ENB FINANCIAL CORP
- Website
- http://www.epnb.com →
- Parent Holding Company
- ENB FINANCIAL CORP (RSSD 3695957) · ENBP
- Ultimate Parent
- HIBSHMAN TRUST FOR EPHRATA NATIONAL BANK STOCK, THE (RSSD 1116681)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jeffrey Stauffer | CEO | Chairman, President, and CEO |
| Rachel G Bitner | CFO | Chief Financial Officer |
| Joselyn D Strohm | COO | Chief Operating Officer |
| Nicholas D Klein | CRO | Chief Risk Officer |
| Miller Adrienne Lea | GC | General Counsel |
| Douglas P Barton | TREAS | CFO/Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ephrata National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ephrata National Bank, freeEphrata National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Ephrata National Bank
- Cecil Bank, effective February 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.24% | 1.09% | 0.54% | 4.17% | 3.82% |
| Q1 2026 | 13.03% | 0.90% | 0.84% | 6.11% | 3.60% |
| Q4 2025 | 13.87% | 1.11% | 0.62% | 4.36% | 3.48% |
| Q3 2025 | 13.77% | 1.18% | 0.66% | 4.80% | 3.40% |
| Q2 2025 | 13.61% | 1.11% | 0.70% | 5.87% | 3.29% |
| Q1 2025 | 13.42% | 0.86% | 0.74% | 5.71% | 3.17% |
| Q4 2024 | 13.22% | 0.73% | 0.83% | 6.50% | 3.03% |
| Q3 2024 | 13.34% | 0.69% | 0.70% | 5.32% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Ephrata National Bank | Ephrata , PA | 17522 | $409.3M |
| Cloister Branch | Ephrata , PA | 17522 | $240.2M |
| Hinkletown Branch | New Holland , PA | 17557 | $197.3M |
| Blue Ball Branch | East Earl , PA | 17519 | $193.4M |
| Denver Branch | Denver , PA | 17517 | $181.6M |
| Akron Office Branch | Akron , PA | 17501 | $125.7M |
| Kissel Hill Branch | Lititz , PA | 17543 | $97.9M |
| Manheim Branch | Manheim , PA | 17545 | $91.6M |
| Cecil Bank Branch | Elkton , MD | 21921 | $86.3M |
| Morgantown Branch | Morgantown , PA | 19543 | $74.1M |
| Myerstown Branch | Myerstown , PA | 17067 | $72.5M |
| Strasburg Branch | Strasburg , PA | 17579 | $62.3M |
| 108 North East Plaza Branch | North East , MD | 21901 | $49.9M |
| Leola Branch | Leola , PA | 17540 | $44.0M |
| Ephrata National Bank Quarryville Branch | Quarryville , PA | 17566 | $35.3M |
| Rising Sun Towne Centre Branch | Rising Sun , MD | 21911 | $34.7M |
| Fair Hill Branch | Elkton , MD | 21921 | $19.1M |
| Lititz Branch | Lititz , PA | 17543 | $8.4M |
| Georgetown Branch | Quarryville , PA | 17566 | $0 |
| Technology Center Branch | Ephrata , PA | 17522 | $0 |
| Money Management Group Branch | Ephrata , PA | 17522 | $0 |
| Main Office Drive-In Branch | Ephrata , PA | 17522 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired Cecil Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Ephrata National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- December 16, 2025, SEC Form 8-K: 8-K Item 5.02: cease and desist
- Period: Most recent institution action December 16, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in PA, rank 40 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,346 applications, 947 loans originated, $211.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $68K approved, $68K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ephrata National Bank
What are Ephrata National Bank's total assets?
As of the Q2 2026 filing, Ephrata National Bank reported total assets of $2.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ephrata National Bank headquartered?
Ephrata National Bank is headquartered in Ephrata, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ephrata National Bank founded?
Ephrata National Bank was established in 1881, per the FDIC institution directory.
Is Ephrata National Bank FDIC-insured?
Yes. Ephrata National Bank is an FDIC-insured commercial bank (FDIC Certificate #7493). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ephrata National Bank?
Ephrata National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ephrata National Bank's CET1 capital ratio?
Ephrata National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ephrata National Bank operate?
Ephrata National Bank operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ephrata National Bank's Texas Ratio?
Ephrata National Bank's Texas Ratio is 4.17% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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