The Ephrata National Bank


Overview / Commentary
717-733-4181
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in Ephrata and is the 40th largest bank in the state of Pennsylvania. It is also the 706th largest bank in the nation. It was established in 1881 and as of June of 2019, it had grown to 267 employees at 17 locations. The Ephrata National Bank's CD rates are 17% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees267
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD10.86%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.13B$1.05B
LoansQ2 2019vs Q2 2018$712.9MM$622.5MM
DepositsQ2 2019vs Q2 2018$942.0MM$879.2MM
Equity CapitalQ2 2019vs Q2 2018$111.3MM$97.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$9.0MM$8.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.1MM$1.4MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not The Ephrata National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.15%$1-EZSave Club
0.05%--Statement Savings Account
0.05%--Super Saver

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$1m*-Personal Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.20% $50k - $100k | 0.35% $100k - $500k | 0.40% $500k - $1m

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Interest Checking Account
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k | 0.25% $100k - $500k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$100k*-60 Month CD
OTHER TIERS: 1.45% $500 - $100k
1.10%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.00% $500 - $100k
1.05%*$100k*-12 - 17 Month CD
OTHER TIERS: 1.00% $500 - $100k
0.85%*$100k*-36 - 47 Month CD
OTHER TIERS: 0.75% $500 - $100k
0.75%*$100k*-30 - 35 Month CD
OTHER TIERS: 0.65% $500 - $100k
0.50%*$100k*-24 - 29 Month CD
OTHER TIERS: 0.40% $500 - $100k
0.40%*$100k*-18 - 23 Month CD
OTHER TIERS: 0.30% $500 - $100k
0.25%*$100k*-7 - 11 Month CD
OTHER TIERS: 0.20% $500 - $100k
0.20%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.15% $500 - $100k
0.15%*$100k*-15-90 Day Short Term CD
OTHER TIERS: 0.10% $2.5k - $100k
0.15%*$100k*-3 Month CD
OTHER TIERS: 0.10% $500 - $100k

The Ephrata National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$100k*-60 Month IRA
OTHER TIERS: 1.45% $500 - $100k
1.10%*$100k*-48 - 59 Months IRA
OTHER TIERS: 1.00% $500 - $100k
1.05%*$100k*-12 - 17 Month IRA
OTHER TIERS: 1.00% $500 - $100k
0.85%*$100k*-36 - 47 Month IRA
OTHER TIERS: 0.75% $500 - $100k
0.75%*$100k*-30 - 35 Month IRA
OTHER TIERS: 0.65% $500 - $100k
0.50%*$100k*-24 - 29 Month IRA
OTHER TIERS: 0.40% $500 - $100k
0.40%*$100k*-18 - 23 Month IRA
OTHER TIERS: 0.30% $500 - $100k
0.20%*$100k*-6 - 11 Month IRA
OTHER TIERS: 0.15% $500 - $100k
0.15%$10-18 Month Flex IRA
Locations

Availability



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