The Ephrata National Bank


Overview / Commentary
717-721-5308
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in EPHRATA and is the 26th largest bank in the state of Pennsylvania. It is also the 541st largest bank in the nation. It was established in 1881 and as of December of 2024, it had grown to 303 employees at 18 locations. The Ephrata National Bank's money market rates are 5X the national average, and it has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees303
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD10.46%
Annual Interest Income$92.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.22B$2B
LoansQ4 2024vs Q4 2023$1.42B$1.35B
DepositsQ4 2024vs Q4 2023$1.89B$1.73B
Equity CapitalQ4 2024vs Q4 2023$166.7MM$153.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$16.1MM$15.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$11.9MM$3.3MM
Real Estate OwnedQ4 2024vs Q4 2023$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
0.10%$0-Statement Savings Account
0.10%$1-EZSave Club
0.10%$0-Super Saver
0.10%$0-Business Statement Savings

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.65%$0-Community Impact Money Market
2.00%*$1m*-Personal Money Market Account
OTHER TIERS: 0.15% $0 - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.90% $50k - $250k | 1.10% $250k - $1m
2.00%*$1m*-Business Money Market Account
OTHER TIERS: 0.20% $0 - $10k | 0.30% $10k - $25k | 0.40% $25k - $50k | 0.95% $50k - $250k | 1.10% $250k - $1m

The Ephrata National Bank Checking Account Rates

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

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$5k-9 Month No Penalty CD
3.65%$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: 1.26% $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
3.90%$5k-9 Month No Penalty IRA
3.65%$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: 1.26% $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*-7 - 11 Month IRA
OTHER TIERS: 1.21% $500 - $100k
0.90%*$100k*-4 - 6 Month IRA
OTHER TIERS: 0.80% $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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