Side-by-side · Q2 2026 data
The Ephrata National Bank vs Kish Bank
Metric by metric
| Measure | The Ephrata National Bank | Kish Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 58 |
| Capital cushion | 46 (stronger) | 39 |
| Loan quality | 82 (stronger) | 81 |
| Earnings | 61 | 67 (stronger) |
| Funding & liquidity | 78 (stronger) | 27 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 44th | 17th |
| Total assets | $2.4B | $2.1B |
| Deposits / shares | $2.0B | $1.5B |
| Capital ratio | 9.63% (stronger) | 8.92% |
| Problem loans | 0.54% (stronger) | 0.57% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.01% | 1.18% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 116.5% |
| Uninsured deposits | 12.1% (stronger) | 35.6% |
| Offices | 18 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 7.5% |
The Ephrata National Bank has the higher TellerScore (67 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 5 and Kish Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.