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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 $0.1BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $1.3B35%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.40%Q2 ’244.69%Q2 ’254.90%Q2 ’26+9%+16%

Non-interest income vs. expense

2.60%Q2 ’242.46%Q2 ’252.99%Q2 ’26-2%+36%

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 1.10%, down 3 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.54% of loans (-16 bps YoY), with net charge-offs at 0.07%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.10%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+51 bps YoY

Efficiency Ratio (quarter, annualized)

69.64%+584 bps YoY

Tier 1 Leverage Ratio

9.63%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.20%1.12%0.91%1.10%-3 bps
Return on Equity14.40%14.67%12.93%10.29%11.93%-247 bps
Net Interest Margin3.10%3.20%3.29%3.39%3.61%+51 bps
Efficiency Ratio63.80%63.72%65.70%72.32%69.64%+584 bps
Non-Interest Burden1.70%1.72%1.87%2.25%2.32%+61 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 / Loans0.70%0.66%0.62%0.84%0.54%-16 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.00%0.07%+5 bps
Allowance / Loans1.13%1.12%1.11%1.15%1.10%-3 bps
Allowance Coverage of NPLs1.6x1.7x1.8x1.4x2.0x+0.4x
Capital
Tier 1 Leverage Ratio9.29%9.52%9.78%9.50%9.63%+34 bps
Total Risk-Based Capital14.78%14.93%15.02%14.19%14.34%-43 bps
Equity / Assets7.90%8.50%8.80%8.95%9.44%+154 bps
Liquidity & Funding
Loans / Deposits77.25%78.69%79.30%79.51%82.70%+545 bps
Liquid Assets / Assets2.46%1.81%2.39%3.32%1.14%-132 bps
CRE / Total Capitaln/a172.59%175.47%172.54%n/an/a