Side-by-side · Q2 2026 data
The Ephrata National Bank vs Bank of Bird-in-Hand
Metric by metric
| Measure | The Ephrata National Bank | Bank of Bird-in-Hand |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 46 | 48 (stronger) |
| Loan quality | 82 | 94 (stronger) |
| Earnings | 61 | 67 (stronger) |
| Funding & liquidity | 78 (stronger) | 47 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 44th | 49th |
| Total assets | $2.4B | $1.9B |
| Deposits / shares | $2.0B | $1.7B |
| Capital ratio | 9.63% | 9.82% (stronger) |
| Problem loans | 0.54% | 0.19% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.01% | 1.17% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 102.8% |
| Uninsured deposits | 12.1% (stronger) | 24.6% |
| Offices | 18 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 1.7% |
Bank of Bird-in-Hand has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 2 and Bank of Bird-in-Hand on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ephrata, PA
- Manheim, PA
- Quarryville, PA