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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 $0.1BQ3 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