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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 31st largest bank in the state of Pennsylvania. It is also the 672nd largest bank in the nation. It was established in 1881 and as of December of 2020, it had grown to 267 employees at 17 locations. The Ephrata National Bank has an A+ health rating.

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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees267
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD10.22%
Annual Interest Income$42.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.46B$1.17B
LoansQ4 2020vs Q4 2019$814.1MM$746.5MM
DepositsQ4 2020vs Q4 2019$1.26B$975.0MM
Equity CapitalQ4 2020vs Q4 2019$141.5MM$115.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$12.3MM$9.4MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$2.1MM$3.2MM
Real Estate OwnedQ4 2020vs Q4 2019$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
0.10%*$1m*-Personal Money Market Account
OTHER TIERS: 0.02% → Up to $250k | 0.05% → $250k - $1m

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Interest Checking Account

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

Availability



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