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
Unfavorable gap of $55.0M · efficiency ratio beats 18% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.91% | 1.22% | 1.52% | Beats 31% | 227 / 328 | | |
| Return on Equity | 10.59% | 8.43% | 11.45% | 14.43% | Beats 43% | 188 / 328 | | |
| Net Interest Margin | 3.47% | 3.03% | 3.45% | 3.83% | Beats 51% | 161 / 328 | | |
| Efficiency Ratio | 71.36% | 51.61% | 59.56% | 67.53% | Beats 18% | 271 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.24% | 0.51% | 1.03% | Beats 48% | 169 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 56% | 142 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.24% | 11.75% | 13.15% | 15.47% | Beats 52% | 156 / 328 | | |
| Total Risk-Based Capital Ratio | 14.34% | 12.63% | 14.15% | 16.46% | Beats 53% | 153 / 328 | | |
| Equity / Assets | 9.44% | 9.15% | 10.33% | 12.01% | Beats 32% | 223 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.70% | 76.63% | 87.92% | 95.36% | 38th pctl | 201 / 323 | | |
| Loans / Assets | 70.02% | 65.18% | 74.15% | 79.98% | 37th pctl | 208 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |