Ephrata National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ephrata National Bank of Ephrata, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.46% | -0.37% | 35th below |
| ROAE | 11.93% | 12.72% | -0.79% | 47th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.82% | 3.85% | -0.03% | 58th above |
| Efficiency Ratio | 68.95% | 57.39% | +11.56% | 22nd bottom |
| PPNR / Avg Assets | 1.27% | 1.88% | -0.61% | 26th below |
| Yield on Earning Assets | 5.19% | 5.72% | -0.53% | 29th below |
| Cost of Funds | 1.45% | 2.02% | -0.57% | 82nd top |
| Net Interest Spread | 3.04% | 3.18% | -0.14% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.60% | 1.00% | -0.40% | 51st above |
| NPA / Total Assets | 0.45% | 0.76% | -0.31% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 36th below |
| ACL / Total Loans | 1.10% | 1.31% | -0.21% | 43rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 182.37% | 543.69% | -361.32% | 51st above |
| Texas Ratio | 4.63% | 7.39% | -2.76% | 52nd above |
| Provision / NCO | -47.44% | 619.33% | -666.77% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.24% | 17.34% | -4.10% | 46th below |
| Tier 1 Ratio | 13.24% | 17.37% | -4.13% | 45th below |
| Total Capital Ratio | 14.34% | 18.42% | -4.08% | 45th below |
| Leverage Ratio | 9.63% | 11.44% | -1.81% | 26th below |
| Equity / Assets | 9.44% | 11.34% | -1.90% | 30th below |
| TCE / Tangible Assets | 9.09% | 10.50% | -1.41% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.70% | 86.96% | -4.26% | 65th above |
| Core Deposit Ratio | 95.77% | 85.54% | +10.23% | 89th top |
| Uninsured Deposit Ratio | 12.06% | 33.14% | -21.08% | 95th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.51% | 5.70% | -0.19% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.45% | 9.68% | -2.23% | 65th above |
| Loan Growth (Y/Y) | 14.19% | 8.05% | +6.14% | 84th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.67% | 7.87% | -1.20% | 61st above |
See Ephrata National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ephrata National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ephrata National Bank profile, how to read a UBPR, or how this data updates.