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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 600th largest bank in the nation. It was established in 1881 and as of March of 2023, it had grown to 297 employees at 18 locations. The Ephrata National Bank's money market rates are 6X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees297
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD9.07%
Annual Interest Income$17.8MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$1.89B$1.70B
LoansQ1 2023vs Q1 2022$1.24B$939.8MM
DepositsQ1 2023vs Q1 2022$1.65B$1.52B
Equity CapitalQ1 2023vs Q1 2022$138.8MM$130.9MM
Loan Loss AllowanceQ1 2023vs Q1 2022$16.1MM$13.0MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$4.0MM$3.6MM
Real Estate OwnedQ1 2023vs Q1 2022$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%--Statement Savings Account
0.10%$1-EZSave Club
0.10%--Super Saver

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$1m*-Personal Money Market Account
OTHER TIERS: 0.25% → Up to $10k | 0.35% → $10k - $25k | 0.45% → $25k - $50k | 1.00% → $50k - $250k | 1.51% → $250k - $1m

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Interest Checking Account
OTHER TIERS: 0.15% → Up to $250k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$5k-7 Month Penalty Free CD
4.06%$5k-13 Month CD
1.36%*$100k*-12 - 17 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-18 - 23 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-24 - 29 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-30 - 35 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-36 - 47 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-60 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-7 - 11 Month CD
OTHER TIERS: 1.26% → $500 - $100k
0.95%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.85% → $500 - $100k
0.60%*$100k*-3 Month CD
OTHER TIERS: 0.50% → $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
4.06%$5k-13 Month IRA
1.36%*$100k*-12 - 17 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-18 - 23 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-24 - 29 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-30 - 35 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-36 - 47 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-48 - 59 Months IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-60 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.36%*$100k*-6 - 11 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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