The Ephrata National Bank is a national bank headquartered in Ephrata, Pennsylvania, in business for about 145 years. At the end of Q2 2026 it reported $2.4B in total assets and $2.0B in deposits, with 23 offices across 2 states.
The Ephrata National Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 53rd. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (46/100, 9.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 65 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 64 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.58% |
| Q3 2024 | 9.53% |
| Q4 2024 | 9.12% |
| Q1 2025 | 9.19% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.52% |
| Q4 2025 | 9.78% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.91% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $2.4B | 9.63% | 0.54% | 1.01% | 81.8% |
| Q1 2026 | 64 | $2.4B | 9.50% | 0.84% | 0.91% | 78.6% |
| Q4 2025 | 68 | $2.3B | 9.78% | 0.62% | 1.08% | 78.4% |
| Q3 2025 | 67 | $2.2B | 9.52% | 0.66% | 1.06% | 77.8% |
| Q2 2025 | 66 | $2.2B | 9.29% | 0.70% | 0.99% | 76.4% |
| Q1 2025 | 64 | $2.2B | 9.19% | 0.74% | 0.86% | 75.5% |
| Q4 2024 | 62 | $2.2B | 9.12% | 0.83% | 0.82% | 74.8% |
| Q3 2024 | 65 | $2.1B | 9.53% | 0.70% | 0.85% | 76.9% |
| Q2 2024 | 69 | $2.0B | 9.58% | 0.32% | 0.93% | 78.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| QNB BankBank Quakertown, PA | 63 out of 100, Moderate | $2.4B | 9.8% | 0.61% | vs |
| Farmers and Merchants Trust Company of ChambersburgBank Chambersburg, PA | 60 out of 100, Moderate | $2.3B | 8.8% | 1.10% | vs |
| Somerset Trust CompanyBank Somerset, PA | 55 out of 100, Moderate | $2.5B | 9.1% | 1.49% | vs |
| Meridian BankBank Wayne, PA | 34 out of 100, Low | $2.6B | 9.7% | 3.68% | vs |
| Kish BankBank Belleville, PA | 58 out of 100, Moderate | $2.1B | 8.9% | 0.57% | vs |
| Bank of Bird-in-HandBank Bird In Hand, PA | 68 out of 100, Moderate | $1.9B | 9.8% | 0.19% | vs |
Deposit insurance
Is my money safe at The Ephrata National Bank?
Yes. The Ephrata National Bank is an FDIC-insured institution (FDIC certificate #7493). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.1% of deposits ($243.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.34% (benchmark: 10%).
23 locations
Branches
The Ephrata National Bank lists 18 offices in 15 cities across 2 states. Most locations:
- Elkton, MD (2)
- Ephrata, PA (2)
- Lititz, PA (2)
- Akron, PA (1)
- Denver, PA (1)
- East Earl, PA (1)
- Leola, PA (1)
- Manheim, PA (1)
- Morgantown, PA (1)
- Myerstown, PA (1)
- New Holland, PA (1)
- North East, MD (1)
HMDA 2025
Mortgage lending
In 2025, The Ephrata National Bank reported 1,281 home-loan applications under HMDA (LEI 549300T560RY8NY4EY89): 947 originated ($211,735,000 total), 230 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Ephrata National Bank
- Type
- National bank
- FDIC certificate #
- 7493
- RSSD ID
- 425911
- Primary regulator
- OCC
- Holding company
- Hibshman Tr Ephrata Nb Stk
- Established
- March 17, 1881
- Headquarters
- 31 E Main St, Ephrata, PA 17522
- Website
- www.epnb.com
- Employees
- 355
Quick answers
The Ephrata National Bank: common questions
Is The Ephrata National Bank FDIC insured?
Yes. The Ephrata National Bank is an FDIC-insured institution (FDIC certificate #7493). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Ephrata National Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Ephrata National Bank ever failed?
There is no failure record for FDIC certificate #7493 in the FDIC failed bank list.
How many branches does The Ephrata National Bank have?
23 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ephrata
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lancaster Red Rose Credit UnionCredit union Leola, PA | 92 out of 100, Very strong | $54.8M | 14.9% | 0.61% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| Pagoda Federal Credit UnionCredit union Reading, PA | 87 out of 100, Very strong | $32.6M | 12.0% | 0.31% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |
| ACNB BankBank Gettysburg, PA | 77 out of 100, Strong | $3.3B | 11.2% | 0.40% | vs |
| Utilities Employees Credit UnionCredit union Reading, PA | 77 out of 100, Strong | $1.5B | 15.7% | 1.26% | vs |