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 The Ephrata National Bank
The Ephrata National Bank
| RSSD ID 425911 | CERTIFICATE 7493 | ABA NUMBER 31308250 |
| 31 E Main St |
Quarter Ended : |
2025-12-31 |
| Ephrata, Pennsylvania, 17522 |
Updated : |
2026-01-30 |
| 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 : |
19 |
Number of Employees : |
313 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,256,965 |
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Total Interest Income | 106,057 |
| Total Liabilities | 2,058,325 |
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Total NonInterest Income | 18,243 |
| Total Bank Equity Capital | 198,640 |
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Total Interest Expense | 35,298 |
| Total Deposits | 1,914,564 |
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Total NonInterest Expense | 58,118 |
| Net Loans & Leases | 1,498,859 |
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Net Income | 23,967 |
| Loan Loss Allowance | 16,886 |
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Net Charge Offs | 92 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 238,945 |
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Total loans | 1,505,711 |
| Total assets for the leverage ratio | 2,256,866 |
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Loans secured by real estate: | 1,333,498 |
| Tier 1 Leverage Ratio | 9.78 |
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Commercial and industrial loans | 83,896 |
| Tier 1 Capital Ratio | 13.87 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.02 |
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Loans to individuals - Other | 5,792 |
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:· The Ephrata National Bank
