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 The Ephrata National Bank
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The Ephrata National Bank
| RSSD ID 425911 | CERTIFICATE 7493 | ABA NUMBER 31308250 |
| 31 E Main St |
Quarter Ended : |
2026-06-30 |
| Ephrata, Pennsylvania, 17522 |
Updated : |
2026-08-14 |
| www.epnb.com |
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| Institution Profile |
| Year Opened : |
1881 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
All Other Over 1 Billion |
| Number of Offices : |
23 |
Number of Employees : |
355 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,389,971 |
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Total Interest Income | 57,533 |
| Total Liabilities | 2,164,431 |
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Total NonInterest Income | 8,394 |
| Total Bank Equity Capital | 225,540 |
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Total Interest Expense | 15,628 |
| Total Deposits | 2,023,520 |
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Total NonInterest Expense | 35,892 |
| Net Loans & Leases | 1,653,016 |
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Net Income | 11,945 |
| Loan Loss Allowance | 18,452 |
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Net Charge Offs | 293 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 252,109 |
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Total loans | 1,671,820 |
| Total assets for the leverage ratio | 2,414,659 |
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Loans secured by real estate: | 1,376,235 |
| Tier 1 Leverage Ratio | 9.63 |
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Commercial and industrial loans | 126,721 |
| Tier 1 Capital Ratio | 13.24 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.34 |
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Loans to individuals - Other | 81,576 |
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:· The Ephrata National Bank
