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The Ephrata National Bank


Overview / Commentary
www.epnb.com
717-733-4181
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in Ephrata and is the 29th largest bank in the state of Pennsylvania. It is also the 613th largest bank in the nation. It was established in 1881 and as of June of 2022, it had grown to 286 employees at 18 locations. The Ephrata National Bank has a B+ health rating.

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Health
B+

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees286
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD9.45%
Annual Interest Income$24.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.77B$1.58B
LoansQ2 2022vs Q2 2021$1.03B$858.4MM
DepositsQ2 2022vs Q2 2021$1.58B$1.37B
Equity CapitalQ2 2022vs Q2 2021$116.3MM$149.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$13.6MM$12.7MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$5.5MM$937.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Ephrata National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1-EZSave Club
0.02%--Statement Savings Account
0.02%--Super Saver

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$500k*-Personal Money Market Account
OTHER TIERS: 0.05% → Up to $50k | 0.10% → $50k - $500k

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$250k*-Interest Checking Account
OTHER TIERS: 0.02% → Up to $250k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-60 Month CD
OTHER TIERS: 0.20% → $500 - $100k
0.20%*$100k*-30 - 35 Month CD
OTHER TIERS: 0.15% → $500 - $100k
0.20%*$100k*-36 - 47 Month CD
OTHER TIERS: 0.15% → $500 - $100k
0.20%*$100k*-48 - 59 Month CD
OTHER TIERS: 0.15% → $500 - $100k
0.15%*$100k*-12 - 17 Month CD
OTHER TIERS: 0.10% → $500 - $100k
0.15%*$100k*-18 - 23 Month CD
OTHER TIERS: 0.10% → $500 - $100k
0.15%*$100k*-24 - 29 Month CD
OTHER TIERS: 0.10% → $500 - $100k
0.10%*$100k*-15-90 Day Short Term CD
OTHER TIERS: 0.05% → $2.5k - $100k
0.10%*$100k*-3 Month CD
OTHER TIERS: 0.05% → $500 - $100k
0.10%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.05% → $500 - $100k
0.10%*$100k*-7 - 11 Month CD
OTHER TIERS: 0.05% → $500 - $100k

The Ephrata National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-60 Month IRA
OTHER TIERS: 0.20% → $500 - $100k
0.20%*$100k*-30 - 35 Month IRA
OTHER TIERS: 0.15% → $500 - $100k
0.20%*$100k*-36 - 47 Month IRA
OTHER TIERS: 0.15% → $500 - $100k
0.20%*$100k*-48 - 59 Months IRA
OTHER TIERS: 0.15% → $500 - $100k
0.15%*$100k*-12 - 17 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
0.15%*$100k*-18 - 23 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
0.15%*$100k*-24 - 29 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
0.10%*$100k*-6 - 11 Month IRA
OTHER TIERS: 0.05% → $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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