Side-by-side · Q2 2026 data
The Ephrata National Bank vs Meridian Bank
Metric by metric
| Measure | The Ephrata National Bank | Meridian Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 34 |
| Capital cushion | 46 | 47 (stronger) |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 61 (stronger) | 50 |
| Funding & liquidity | 78 (stronger) | 42 |
| Problem-loan coverage | 92 (stronger) | 37 |
| Peer percentile | 44th | 1st |
| Total assets | $2.4B | $2.6B |
| Deposits / shares | $2.0B | $2.2B |
| Capital ratio | 9.63% | 9.72% (stronger) |
| Problem loans | 0.54% (stronger) | 3.68% |
| Net charge-offs | 0.04% (stronger) | 0.93% |
| Return on assets | 1.01% (stronger) | 0.76% |
| Loans ÷ deposits | 81.8% (stronger) | 100.5% |
| Uninsured deposits | 12.1% (stronger) | 30.7% |
| Offices | 18 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 4.1% |
The Ephrata National Bank has the higher TellerScore (67 vs 34). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 6 and Meridian Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.