The Ephrata National Bank
Ephrata, Pennsylvania, Lancaster County
$2.4B in total assets, the 530th largest of 4,309 US banks and 25th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7493
- Established
- 1881
- Owned by
- Hibshman Tr Ephrata Nb Stk
- Primary regulator
- OCC
- Website
- http://www.epnb.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.4B | 56% | $2.2B | |
| Loans | $1.7B | 50% | $1.7B | |
| Deposits | $2.0B | 56% | $1.8B | |
| Return on assets | 1.08% | 42% | 1.19% | |
| Net interest margin | 3.76% | 56% | 3.71% | |
| Efficiency ratio | 70.9% | 81% | 58.6% | |
| Equity to assets | 9.44% | 28% | 10.49% | |
| Loans to deposits | 83% | 22% | 90% |
Growth
Total assets grew 8.7% a year over the last 5 years and 9.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | Cecil Bank Elkton, MD | $219M |
Where they operate
22 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lancaster County, PA | $1.7B | 8.9% | 4 of 25 |
| Cecil County, MD | $190M | 14.9% | 3 of 7 |
| Berks County, PA | $74M | 0.3% | 13 of 19 |
| Lebanon County, PA | $72M | 2.3% | 9 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (13 to 22, +69.2%). 6 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Opened Morgantown and Quarryville | 2 | 0 | +2 | 15 |
| 2017 | Opened Strasburg | 1 | 0 | +1 | 16 |
| 2018 | Opened StrasburgClosed Strasburg | 1 | 1 | 0 | 16 |
| 2022 | Opened Quarryville | 1 | 0 | +1 | 17 |
| 2025 | Opened Lititz | 1 | 0 | +1 | 18 |
| 2026 through Q2 | Acquired Cecil Bank | 4 | 0 | +4 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 42% | 35% | |
| Commercial real estate | 16% | 33% | |
| Farmland | 16% | 3% | |
| Business (C&I) | 8% | 10% | |
| Multifamily | 5% | 7% | |
| Consumer | 5% | 3% | |
| Construction and land | 4% | 6% | |
| Agricultural | 2% | 0% | |
| Other | 3% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 54% | |
| Noninterest-bearing | 35% | 19% | |
| Time deposits | 21% | 27% |
Brokered deposits are 0.2% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.54% | 0.58% |
| Net charge-offs, annualized | 0.04% | 0.04% |
| Reserves to loans | 1.10% | 0.98% |
| Leverage ratio | 9.63% | 9.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lancaster County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ephrata