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Ephrata National Bank

Ephrata, PA · Cert 7493 · Hibshman Tr Ephrata NB STK

National charter · OCC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

18

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ephrata National Bank

Ephrata, PA · Cert 7493 · Hibshman Tr Ephrata NB STK

National charter · OCC · 22 branches

Q2 2026

$2.4BAssets
$1.7BLoans
$2.0BDeposits
$225.5MEquity
Loan mix
86%RE $1.3B8%C&I $0.1B5%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $1.3B35%Noninterest $0.7BQ3 2024Q2 2026

Market Position · Lancaster, PA · 2026 SOD (annual) · 8.9% share · #4 of 25 inst. · $1.7B of $18.9B

8.9% Lancaster
14.9% Cecil
0.3% Berks
2.3% Lebanon

Executive Summary

  • Earnings: ROA of 1.01%, up 2 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.54% of loans (-16 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.63%, up 34 bps from a year ago.
  • Funding: loans stand at 82.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+44 bps YoY

Efficiency Ratio (YTD, annualized)

70.94%+501 bps YoY

Tier 1 Leverage Ratio

9.63%+34 bps YoY

NIM

4.32%Q2 ’244.61%Q2 ’254.74%Q2 ’26+9%+15%

Non-interest income vs. expense

2.63%Q2 ’242.50%Q2 ’252.95%Q2 ’260%+30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.82%0.86%0.99%1.06%1.08%0.91%1.01%+2 bps
Return on Equity10.72%10.46%11.31%12.88%13.45%13.30%10.29%11.18%-170 bps
Net Interest Margin2.76%2.66%2.99%3.03%3.08%3.14%3.39%3.47%+44 bps
Efficiency Ratio72.50%71.61%68.14%65.93%65.16%65.30%72.32%70.94%+501 bps
Non-Interest Burden1.76%1.68%1.79%1.74%1.73%1.77%2.25%2.26%+53 bps
Growth
Asset Growth (YoY)9.68%11.00%11.51%10.02%6.25%1.77%9.16%7.45%-257 bps
Loan Growth (YoY)5.67%5.21%4.67%5.82%5.03%6.08%13.99%14.19%+837 bps
Deposit Growth (YoY)9.12%9.31%9.91%8.02%3.78%1.26%9.46%6.67%-135 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.83%0.74%0.70%0.66%0.62%0.84%0.54%-16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.01%0.00%0.04%+3 bps
Allowance / Loans1.04%1.13%1.14%1.13%1.12%1.11%1.15%1.10%-3 bps
Allowance Coverage of NPLs1.5x1.4x1.5x1.6x1.7x1.8x1.4x2.0x+0.4x
Capital
Tier 1 Leverage Ratio9.53%9.12%9.19%9.29%9.52%9.78%9.50%9.63%+34 bps
Total Risk-Based Capital14.43%14.37%14.59%14.78%14.93%15.02%14.19%14.34%-43 bps
Equity / Assets8.17%7.52%7.72%7.90%8.50%8.80%8.95%9.44%+154 bps
Liquidity & Funding
Loans / Deposits77.76%75.70%76.35%77.25%78.69%79.30%79.51%82.70%+545 bps
Liquid Assets / Assets2.95%2.72%3.23%2.46%1.81%2.39%3.32%1.14%-132 bps
CRE / Total Capitaln/an/an/an/a172.59%175.47%172.54%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ephrata National Bank

Ephrata, PA · Cert 7493 · Peer group: banks $1B-$10B in assets (n=322-328) · Hibshman Tr Ephrata NB STK

National charter · OCC · 22 branches

Q2 2026

$2.4BAssets
$1.7BLoans
$2.0BDeposits
$225.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 56% of banks $1B-$10B in assets (rank 142 of 322).
  • Widest gap: efficiency ratio trails 82% of banks $1B-$10B in assets (rank 271 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.00%

Rank 227 of 328

Net Interest Margin

3.47%

Rank 161 of 328

Efficiency Ratio

71.36%

Rank 271 of 328

Equity / Assets

9.44%

Rank 223 of 328

Non-interest income vs. expense

$16.8M$71.8MINCOMEEXPENSE
Unfavorable gap of $55.0M · efficiency ratio beats 18% of banks $1B-$10B in assets
Bank 71.36%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%0.91%1.22%1.52%Beats 31%227 / 328
Return on Equity10.59%8.43%11.45%14.43%Beats 43%188 / 328
Net Interest Margin3.47%3.03%3.45%3.83%Beats 51%161 / 328
Efficiency Ratio71.36%51.61%59.56%67.53%Beats 18%271 / 328
Asset Quality
Nonperforming Loans / Loans0.54%0.24%0.51%1.03%Beats 48%169 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 56%142 / 322
Capital
Tier 1 Capital Ratio13.24%11.75%13.15%15.47%Beats 52%156 / 328
Total Risk-Based Capital Ratio14.34%12.63%14.15%16.46%Beats 53%153 / 328
Equity / Assets9.44%9.15%10.33%12.01%Beats 32%223 / 328
Liquidity & Funding
Loans / Deposits82.70%76.63%87.92%95.36%38th pctl201 / 323
Loans / Assets70.02%65.18%74.15%79.98%37th pctl208 / 328
Brokered Deposits / Depositsn/aNot reported for this institution