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The Ephrata National Bank


Overview / Commentary
www.epnb.com
717-721-5308
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in EPHRATA and is the 28th largest bank in the state of Pennsylvania. It is also the 576th largest bank in the nation. It was established in 1881 and as of June of 2024, it had grown to 318 employees at 18 locations. The Ephrata National Bank's money market rates are 5X the national average, and it has an A health rating.

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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees318
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD11.83%
Annual Interest Income$44MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.02B$1.9B
LoansQ2 2024vs Q2 2023$1.37B$1.28B
DepositsQ2 2024vs Q2 2023$1.76B$1.66B
Equity CapitalQ2 2024vs Q2 2023$160.7MM$139.6MM
Loan Loss AllowanceQ2 2024vs Q2 2023$14.3MM$16.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$4.4MM$3.3MM
Real Estate OwnedQ2 2024vs Q2 2023$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
0.10%$0-Statement Savings Account
0.10%$1-EZSave Club
0.10%$0-Super Saver

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$1m*-Personal Money Market Account
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $25k | 0.35% → $25k - $50k | 0.90% → $50k - $250k | 1.36% → $250k - $1m

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Interest Checking Account
OTHER TIERS: 0.10% → $0 - $250k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$5k-9 Month CD
4.01%$5k-13 Month CD
1.31%*$100k*-12 - 17 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-18 - 23 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-24 - 29 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-30 - 35 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-36 - 47 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-60 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-7 - 11 Month CD
OTHER TIERS: 1.21% → $500 - $100k
0.90%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.80% → $500 - $100k
0.55%*$100k*-3 Month CD
OTHER TIERS: 0.45% → $500 - $100k
0.10%*$100k*-15-90 Day Short Term CD
OTHER TIERS: 0.05% → $2.5k - $100k

The Ephrata National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$5k-9 Month IRA
4.01%$5k-13 Month IRA
1.31%*$100k*-12 - 17 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-18 - 23 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-24 - 29 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-30 - 35 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-36 - 47 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-48 - 59 Months IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-60 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-6 - 11 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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