Bank Comparison
Ephrata National Bank vs First Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 9
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| CET1 Ratio | 13.24% | 12.98% |
| Tier 1 Capital Ratio | 13.24% | 12.98% |
| Total Capital Ratio | 14.34% | 14.13% |
| Tier 1 Leverage Ratio | 9.63% | 9.29% |
| Equity / Assets | 9.44% | 9.90% |
Profitability
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 1.38% |
| Return on Equity (ROE) | 11.93% | 14.14% |
| Net Interest Margin (NIM) | 3.82% | 3.52% |
| Yield on Earning Assets | 5.19% | 5.20% |
| Cost of Funds | 1.45% | 1.77% |
Asset quality
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| Texas Ratio | 4.63% | 1.41% |
| Non-Performing Loan Ratio | 0.60% | 0.16% |
| Non-Performing Asset Ratio | 0.45% | 0.11% |
| Net Charge-Off Ratio | 0.07% | 0.01% |
| ACL / Loans | 1.10% | 1.16% |
Balance sheet
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| Total Assets | $2.39B | $2.38B |
| Total Deposits | $2.02B | $2.03B |
| Total Loans | $1.67B | $1.59B |
| Total Equity | $225.5M | $235.7M |
| Net Income (quarter) | $6.6M | $8.2M |
Liquidity & funding
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.70% | 78.31% |
| Core Deposit Ratio | 95.77% | 94.73% |
| Uninsured Deposit Ratio | 12.06% | 32.68% |
Identity
| Metric | Ephrata National Bank | First Community Bank |
|---|---|---|
| Headquarters City | Ephrata | Lexington |
| Headquarters State | PA | SC |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 23 | 23 |
| Employees (FTE) | 355 | 298 |
| Established | March 17, 1881 | August 17, 1995 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Ephrata National Bank profile | View full First Community Bank profile | Browse all bank comparisons