Total Assets
$2.4B
Total Deposits
$2.0B
Branches
23
Established
1881
The Ephrata National Bank is a bank headquartered in Ephrata, Pennsylvania, established in 1881. It holds $2.4B in total assets across 23 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Ephrata National Bank earns a TFS Financial Health Grade of B (78.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
78.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Ephrata National BankHQ | 31 E Main St | Ephrata | PA | 11 |
| The Ephrata National Bank | 127 North St | Elkton | MD | 11 |
| The Ephrata National Bank | 4434 Telegraph Rd | Elkton | MD | 11 |
| The Ephrata National Bank | 108 North East Plz | North East | MD | 11 |
| The Ephrata National Bank | 56 Rising Sun Town Ctr | Rising Sun | MD | 11 |
| The Ephrata National Bank | 351 S 7th St | Akron | PA | 11 |
| The Ephrata National Bank | 1 Main St | Denver | PA | 11 |
| The Ephrata National Bank | 110 Marble Ave | East Earl | PA | 11 |
| The Ephrata National Bank | 42 E Main St | Ephrata | PA | 23 |
| The Ephrata National Bank | 809 Martin Ave | Ephrata | PA | 11 |
| The Ephrata National Bank | 31 E Franklin St | Ephrata | PA | 21 |
| The Ephrata National Bank | 47 E Main St | Ephrata | PA | 30 |
| The Ephrata National Bank | Po Box 457 | Ephrata | PA | 27 |
| The Ephrata National Bank | 361 W Main St | Leola | PA | 11 |
| The Ephrata National Bank | 1 E Main St | Lititz | PA | 11 |
| The Ephrata National Bank | 3190 Lititz Pike | Lititz | PA | 11 |
| The Ephrata National Bank | 1 N Penryn Rd | Manheim | PA | 11 |
| The Ephrata National Bank | 6296 Morgantown Road | Morgantown | PA | 11 |
| The Ephrata National Bank | 615 E Lincoln Ave | Myerstown | PA | 11 |
| The Ephrata National Bank | 935 N Railroad Ave | New Holland | PA | 11 |
| The Ephrata National Bank | 1298 Georgetown Rd | Quarryville | PA | 23 |
| The Ephrata National Bank | 101 E State St | Quarryville | PA | 11 |
| The Ephrata National Bank | 60 Historic Drive | Strasburg | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
78.3
Tier 1 capital ratio
9.63%
Return on assets
1.01%
Non-performing loans
0.54%
Efficiency ratio
70.94%
Asset growth (YoY)
7.45%
Suggested direct comparisons
Malvern, PA
$26.5B
Somerset, PA
$2.5B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.