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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 29th largest bank in the state of Pennsylvania. It is also the 587th largest bank in the nation. It was established in 1881 and as of December of 2023, it had grown to 293 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 Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees293
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD10.31%
Annual Interest Income$77.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2B$1.86B
LoansQ4 2023vs Q4 2022$1.35B$1.18B
DepositsQ4 2023vs Q4 2022$1.73B$1.64B
Equity CapitalQ4 2023vs Q4 2022$153.4MM$129.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$15.2MM$14.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.3MM$4.3MM
Real Estate OwnedQ4 2023vs Q4 2022$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%--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
5.00%$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
5.00%$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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