Ephrata National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 65.8% higher than in Q1 2026, at $2.0M. Ephrata National Bank ranks 67th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 82.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ephrata National Bank sits 5.50 points lower, at 82.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.67B |
| Net loans and leases | $1.66B |
| Loans held for sale | $2.0M |
| Loans to total assets | 70.02% |
| Loan-to-deposit ratio | 82.70% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.17% |
| Multifamily (5+ residential) | 5.28% |
| Commercial and industrial | 7.59% |
| Consumer | 4.52% |
| Credit cards | 0.00% |
| Farm | 15.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.13% |
| Construction concentration (Tier 1 capital + allowance) | 28.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $24.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.34B | $1.66B | 15.90% | 6.68% | 0.47% |
| Q4 2023 | $1.36B | $1.73B | 15.55% | 5.40% | 0.46% |
| Q1 2024 | $1.38B | $1.72B | 16.07% | 5.80% | 0.45% |
| Q2 2024 | $1.38B | $1.76B | 16.38% | 5.62% | 0.45% |
| Q3 2024 | $1.41B | $1.82B | 16.09% | 5.68% | 0.45% |
| Q4 2024 | $1.43B | $1.89B | 15.56% | 5.81% | 0.46% |
| Q1 2025 | $1.45B | $1.89B | 15.45% | 6.25% | 0.43% |
| Q2 2025 | $1.47B | $1.90B | 15.20% | 6.25% | 0.43% |
| Q3 2025 | $1.48B | $1.89B | 14.68% | 6.04% | 0.40% |
| Q4 2025 | $1.52B | $1.91B | 15.45% | 5.71% | 0.37% |
| Q1 2026 | $1.65B | $2.07B | 15.02% | 7.74% | 5.12% |
| Q2 2026 | $1.67B | $2.02B | 16.17% | 7.59% | 4.52% |
Ephrata National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ephrata National Bank, freeSource: Call Report Schedule RC-C, 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)