Ephrata National Bank
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Data as of · sourced from FFIEC call reports. How we update
Ephrata National Bank is an FDIC-insured commercial bank headquartered in Ephrata, PA, established in 1881 (FDIC certificate 7493), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.39B, up 7.5% from Q2 2025, the 25th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7493
- Headquarters
- Ephrata, PA
- Established
- 1881
- Total assets, Q2 2026
- $2.39B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 13.24%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 031308250
- Latest call report
- Q2 2026, FFIEC 051 · Ephrata National Bank call report
- Holding company
- ENB FINANCIAL CORP
- Asset rank in state
- 25th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Ephrata National Bank is the 25th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $2.39B, loans rose 1.5% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.6% of total loans, followed by farmland and other real estate loans at 15.6%. Its 22 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its Ephrata 5 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, Ephrata National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 23 FDIC institution directory, current count
- 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
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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ephrata National Bank's total assets ranged from $1.91B (Q3 2023) to $2.42B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.39B total assets against $2.22B; $2.16B total liabilities against $2.05B.
$1.66B net loans and leases against $1.45B; $2.02B total deposits against $1.90B.
$567.8M securities against $600.8M; $37.1M cash and balances due against $65.1M.
$29.7M total interest income against $26.4M; $7.9M total interest expense against $8.9M.
$21.8M net interest income against $17.5M.
$4.0M total noninterest income against $4.3M; $18.1M total noninterest expense against $13.9M.
-$462K provision for credit losses against $126K.
$6.6M net income against $6.2M.
1.09% return on assets against 1.11%; 3.82% net interest margin against 3.29%.
13.24% CET1 capital ratio against 13.61%; 9.63% tier 1 leverage ratio against 9.29%.
Inside the full Ephrata National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEphrata National Bank rankings
Its closest position to the top of a national ranking is 509 of 4,196, for total assets; its furthest is 920 of 980, for uninsured deposits.
Banks merged into Ephrata National Bank
- Cecil Bank, effective February 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.18% (Q3 2025) and its net interest margin ran from 3.03% (Q3 2024) to 3.82% (Q2 2026).
| 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
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Ephrata National Bank headquartered?
It is headquartered in Ephrata, PA, United States.
When was Ephrata National Bank founded?
It was established in 1881, per the FDIC institution directory.
Is Ephrata National Bank FDIC-insured?
Yes. It 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.
What is Ephrata National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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