Ephrata, PA · Cert 7493 · Hibshman Tr Ephrata NB STK
National charter · OCC · 22 branches
Q2 2026
Market Position · Lancaster, PA · 2026 SOD (annual) · 8.9% share · #4 of 25 inst. · $1.7B of $18.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.06% | 1.08% | 0.91% | 1.01% | +2 bps | |
| Return on Equity | 12.88% | 13.45% | 13.30% | 10.29% | 11.18% | -170 bps | |
| Net Interest Margin | 3.03% | 3.08% | 3.14% | 3.39% | 3.47% | +44 bps | |
| Efficiency Ratio | 65.93% | 65.16% | 65.30% | 72.32% | 70.94% | +501 bps | |
| Non-Interest Burden | 1.74% | 1.73% | 1.77% | 2.25% | 2.26% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.02% | 6.25% | 1.77% | 9.16% | 7.45% | -257 bps | |
| Loan Growth (YoY) | 5.82% | 5.03% | 6.08% | 13.99% | 14.19% | +837 bps | |
| Deposit Growth (YoY) | 8.02% | 3.78% | 1.26% | 9.46% | 6.67% | -135 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.66% | 0.62% | 0.84% | 0.54% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.11% | 1.15% | 1.10% | -3 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.8x | 1.4x | 2.0x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.52% | 9.78% | 9.50% | 9.63% | +34 bps | |
| Total Risk-Based Capital | 14.78% | 14.93% | 15.02% | 14.19% | 14.34% | -43 bps | |
| Equity / Assets | 7.90% | 8.50% | 8.80% | 8.95% | 9.44% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.25% | 78.69% | 79.30% | 79.51% | 82.70% | +545 bps | |
| Liquid Assets / Assets | 2.46% | 1.81% | 2.39% | 3.32% | 1.14% | -132 bps | |
| CRE / Total Capital | n/a | 172.59% | 175.47% | 172.54% | n/a | n/a | |