EPHRATA NATIONAL BANK

EPHRATA, PA | Large | Est. March 17, 1881, midnight | FDIC #7493 | RSSD #425911 | OCC
Latest Report: 2025-12-31

EPHRATA NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in EPHRATA, PA, established in March 17, 1881, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $1.9B. Profitability stands at 1.12% ROA and 12.93% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 13.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.62% and a Texas Ratio of 4.36%. FDIC Certificate #7493.

Assets

$2.3B

Deposits

$1.9B

Loans

$1.5B

Equity

$199M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 12.93%
Net Interest Margin (NIM) 3.61%
Yield on Assets 5.25%
Cost of Funds 3.47%

Asset Quality

NPL Ratio 0.62%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.36%
NPA Ratio 0.42%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 13.87%
Tier 1 Capital 13.87%
Total Capital Ratio 15.02%
Leverage Ratio 9.78%
Loan-to-Deposit 79.30%

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