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The Ephrata National Bank

Ephrata, PennsylvaniaFDIC Cert #7493

OCCEstablished 188123 branches

Holding company: HIBSHMAN TR EPHRATA NB STKRegulator: OCC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

The Ephrata National Bank reported $2.42B in total assets. Deposits grew 9.46% over the prior year.

Return on assets was 0.91%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 9.50%.

  • Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
  • Why is Total Assets above its official FFIEC UBPR peers?
  • Why is Efficiency Ratio above its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$2.42B
+9.2%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$2.07B
+9.5%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Net loans
$1.63B
+14.0%y/y
Percentile by value80th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
ROA
0.91%
+5 bpsy/y
Peer standing23rd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC + ROA
Efficiency
72.32%
+418 bpsy/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
9.50%
+31 bpsy/y
Peer standing25th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICRBC1AAJ

Percentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.

Side-by-side comparison

The Ephrata National Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.91%

Registry median

1.24%
ROE

This bank

10.29%

FFIEC trimmed average

12.61%
NIM

This bank

3.63%

Registry median

3.74%
Loans YoY

This bank

+13.98%

FFIEC trimmed average

+7.26%
Leverage

This bank

9.50%

FFIEC trimmed average

10.68%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.58B$1.37B
Q3 2021$1.6B$1.4B
Q4 2021$1.72B$1.51B
Q1 2022$1.7B$1.52B
Q2 2022$1.77B$1.58B
Q3 2022$1.82B$1.64B
Q4 2022$1.86B$1.64B
Q1 2023$1.89B$1.65B
Q2 2023$1.9B$1.66B
Q3 2023$1.91B$1.66B
Q4 2023$2B$1.73B
Q1 2024$1.99B$1.72B
Q2 2024$2.02B$1.76B
Q3 2024$2.09B$1.82B
Q4 2024$2.22B$1.89B
Q1 2025$2.22B$1.89B
Q2 2025$2.22B$1.9B
Q3 2025$2.22B$1.89B
Q4 2025$2.26B$1.91B
Q1 2026$2.42B$2.07B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$148M
Investor CRE$100M
Multifamily$72.4M
Construction$69M
1–4 family$695M
C&I$128M
Agriculture$307M
Other$130M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
23rd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDICNETINC + ROE
32nd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDICNIM + NIMY
44th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDICNONIX + NIM + NONII + EEFFR
16th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDICDEP
72nd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDICLNLSNET
81st percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
67th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDICRBC1AAJ
24th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.84%Median 10.43%90th 13.44%Observations 525

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
72nd percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
9th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 104%Median 233%90th 354%Observations 398

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
23 branches
Headquarters
Ephrata, PA
FDICOFFDOMOpen the Pennsylvania dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data