Ephrata National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.8% higher than in Q1 2026, at -$19.9M. Within Pennsylvania, Ephrata National Bank is 42nd of 72 on CET1 ratio, 13.24% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Ephrata National Bank reported 13.24% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.24% |
| Tier 1 risk-based capital ratio | 13.24% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 9.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $232.6M |
| Tier 1 capital | $232.6M |
| Total risk-based capital | $252.1M |
| Total equity capital | $225.5M |
| Risk-weighted assets | $1.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 9.28% |
| Internal capital growth rate | 10.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $574K |
| Common stock surplus | $68.7M |
| Retained earnings | $176.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.09% | 13.09% | 14.34% | 9.38% | $1.41B |
| Q4 2023 | 13.27% | 13.27% | 14.44% | 9.36% | $1.41B |
| Q1 2024 | 13.33% | 13.33% | 14.44% | 9.50% | $1.44B |
| Q2 2024 | 13.52% | 13.52% | 14.61% | 9.58% | $1.44B |
| Q3 2024 | 13.34% | 13.34% | 14.43% | 9.53% | $1.48B |
| Q4 2024 | 13.22% | 13.22% | 14.37% | 9.12% | $1.52B |
| Q1 2025 | 13.42% | 13.42% | 14.59% | 9.19% | $1.53B |
| Q2 2025 | 13.61% | 13.61% | 14.78% | 9.29% | $1.54B |
| Q3 2025 | 13.77% | 13.77% | 14.93% | 9.52% | $1.56B |
| Q4 2025 | 13.87% | 13.87% | 15.02% | 9.78% | $1.59B |
| Q1 2026 | 13.03% | 13.03% | 14.19% | 9.50% | $1.73B |
| Q2 2026 | 13.24% | 13.24% | 14.34% | 9.63% | $1.76B |
Ephrata National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ephrata National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ephrata National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7493) · FFIEC NIC profile (RSSD 425911)