What is The Ephrata National Bank's financial health grade?

The Ephrata National Bank has a TFS Financial Health Grade of C (score: 73.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Ephrata National Bank have?

The Ephrata National Bank has 23 branch locations across the United States.

Is The Ephrata National Bank FDIC insured?

Yes, The Ephrata National Bank is FDIC insured (Certificate #7493).

What are the total assets of The Ephrata National Bank?

The Ephrata National Bank has total assets of $2.3B as reported in its most recent FDIC filing.

The Ephrata National Bank

BankEphrata, Pennsylvania

http://www.epnb.com

Total Assets

$2.3B

Total Deposits

$1.9B

Branches

Established

1881

TFS Health Grade

73.7 / 100

Average financial health

How we grade

The Ephrata National Bank is a bank headquartered in Ephrata, Pennsylvania, established in 1881. With $2.3B in total assets and 19 branch locations, it has a TFS Financial Health Grade of C (73.7/100).

Capital & Safety

Tier 1 Capital Ratio

9.78%(8%)

Total Capital Ratio

15.02%(10%)

Non-Performing Loan Ratio

0.62%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

13.30%(10%)

Net Interest Margin

3.35%

Efficiency Ratio

65.30%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

78.42%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+1.77%

Deposit Growth (YoY)

+1.26%

Net Income

$24.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. 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.