Ephrata National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 57.01 percentage points in Q2 2026, from 125.36% to 182.37%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Ephrata National Bank is 53rd of 109 on return on assets, 1.09% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Ephrata National Bank sits 0.19 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.24% |
| Tier 1 risk-based capital ratio | 13.24% |
| Total risk-based capital ratio | 14.34% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 9.44% |
| Tangible equity to tangible assets | 9.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 4.63% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 182.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.93% |
| Net interest margin | 3.82% |
| Efficiency ratio | 68.95% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.70% |
| Core deposits to total deposits | 95.77% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 84.67% |
| Securities to assets | 23.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.09% | 13.09% | 14.34% | 9.38% | 0.84% |
| Q4 2023 | 13.27% | 13.27% | 14.44% | 9.36% | 0.94% |
| Q1 2024 | 13.33% | 13.33% | 14.44% | 9.50% | 0.90% |
| Q2 2024 | 13.52% | 13.52% | 14.61% | 9.58% | 0.93% |
| Q3 2024 | 13.34% | 13.34% | 14.43% | 9.53% | 0.69% |
| Q4 2024 | 13.22% | 13.22% | 14.37% | 9.12% | 0.73% |
| Q1 2025 | 13.42% | 13.42% | 14.59% | 9.19% | 0.86% |
| Q2 2025 | 13.61% | 13.61% | 14.78% | 9.29% | 1.11% |
| Q3 2025 | 13.77% | 13.77% | 14.93% | 9.52% | 1.18% |
| Q4 2025 | 13.87% | 13.87% | 15.02% | 9.78% | 1.11% |
| Q1 2026 | 13.03% | 13.03% | 14.19% | 9.50% | 0.90% |
| Q2 2026 | 13.24% | 13.24% | 14.34% | 9.63% | 1.09% |
Ephrata National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ephrata National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)