Side-by-side · Q2 2026 data
The Ephrata National Bank vs QNB Bank
Metric by metric
| Measure | The Ephrata National Bank | QNB Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 63 |
| Capital cushion | 46 | 48 (stronger) |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 61 (stronger) | 52 |
| Funding & liquidity | 78 (stronger) | 59 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 44th | 30th |
| Total assets | $2.4B | $2.4B |
| Deposits / shares | $2.0B | $2.1B |
| Capital ratio | 9.63% | 9.84% (stronger) |
| Problem loans | 0.54% (stronger) | 0.61% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.01% (stronger) | 0.81% |
| Loans ÷ deposits | 81.8% (stronger) | 82.3% |
| Uninsured deposits | 12.1% (stronger) | 32.1% |
| Offices | 18 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 14.5% |
The Ephrata National Bank has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 5 and QNB Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.