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BDI
EB

The Ephrata National Bank

Ephrata, PennsylvaniaFDIC Cert #7493

OCCEstablished 188123 branches

Holding company: HIBSHMAN TR EPHRATA NB STKRegulator: OCC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

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

Balance sheet

Core assets, funding, and capital reported at quarter end.

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
Gross loans
$1.65B
+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
FDICLNLSGR
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
Securities
$573M
−5.1%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$89.1M
+13.4%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$2.21B
+7.7%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$217M
+26.5%y/y
Peer standing75th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$24.4M
+16.6%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$20.1M
+20.6%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$4.35M
+1.2%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
−$22K
−104.5%y/y
Percentile by value9th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$6.7M
+8.3%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$5.35M
+11.8%y/y
Peer standing56th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC