The Ephrata National Bank
Ephrata, PA
IDRSSD: 425911
Total Assets
$2.22B
Latest filing
Total Deposits
$1.89B
Latest filing
Net Interest Margin
3.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Ephrata National Bank
31 E Main St
Ephrata, PA 17522
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/17/1881FDIC Certificate 4864
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Ephrata National Bank (Main) | 31 E Main St | Ephrata, PA |
| CLOISTER BRANCH | 809 Martin Ave | Ephrata, PA |
| HINKLETOWN BRANCH | 935 N Railroad Ave | New Holland, PA |
| DENVER BRANCH | 1 Main St | Denver, PA |
| AKRON OFFICE BRANCH | 351 S 7th St | Akron, PA |
| KISSEL HILL BRANCH | 3190 Lititz Pike | Lititz, PA |
| TECHNOLOGY CENTER BRANCH | 31 E Franklin St | Ephrata, PA |
| MONEY MANAGEMENT GROUP BRANCH | 47 E Main St | Ephrata, PA |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/17/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 17522 |
| State and County Number | 42071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lancaster, PA |
Operational Info
| Number of Employees | 325 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.epnb.com |
| Data Updated | 11/14/2025 |
| CERT | 7493 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.22B |
| Total Deposits | $1.89B |
| Total Liabilities | $2.03B |
| Total Equity Capital | $188.69M |
| Net Income | $6.68M |
| Net Loans and Leases | $1.47B |
| Assets Per Employee ($Millions) | $7.19M |
| Bank Premises and Fixed Assets | $33.76M |
| Cash and Balances due from Depository Institutions | $48.14M |
| Deposits Held in Domestic Offices | $1.89B |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 14.67% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 63.72% |
| Tier 1 Risk-Based Capital Ratio | 13.775% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.495% |
| Earning Assets to total Assets | 94.83% |
Income and Expense
| Total Interest Income | $27.05M |
| Total Noninterest Income | $4.90M |
| Total Interest Expense | $9.00M |
| Total Noninterest Expense | $14.62M |
| Net Interest Income | $18.05M |
| Pre-tax Net Operating Income | $8.31M |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $133.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.69M |
| Total Liabilities and Capital | $2.22B |
Securities
| Securities | $599.22M |
| Available-for-sale debt securities | $590.37M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Ephrata National Bank?
$2.22B as of the latest filing.
How much are The Ephrata National Bank's total deposits?
$1.89B in total deposits.
Where is The Ephrata National Bank located?
Ephrata, PA.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
19.
When was it established?
03/17/1881.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$1.47B (latest filing).
What is the total interest income (latest filing)?
$27.05M.