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The Ephrata National Bank


Overview / Commentary
www.epnb.com
717-733-4181
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in Ephrata and is the 38th largest bank in the state of Pennsylvania. It is also the 715th largest bank in the nation. It was established in 1881 and as of March of 2020, it had grown to 255 employees at 17 locations. The Ephrata National Bank has an A health rating.

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Health
A

Data as of Q1 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees255
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.46%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$1.18B$1.11B
LoansQ1 2020vs Q1 2019$756.7MM$703.9MM
DepositsQ1 2020vs Q1 2019$983.1MM$930.3MM
Equity CapitalQ1 2020vs Q1 2019$115.6MM$105.6MM
Loan Loss AllowanceQ1 2020vs Q1 2019$9.8MM$8.9MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$2.5MM$2.1MM
Real Estate OwnedQ1 2020vs Q1 2019$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
0.05%$1-EZSave Club
0.02%--Statement Savings Account
0.02%--Super Saver

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$500k*-Personal Money Market Account
OTHER TIERS: 0.02% → Up to $10k | 0.05% → $10k - $100k | 0.10% → $100k - $500k

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$500k*-Interest Checking Account
OTHER TIERS: 0.02% → Up to $50k | 0.05% → $50k - $500k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-60 Month CD
OTHER TIERS: 0.30% → $500 - $100k
0.30%*$100k*-30 - 35 Month CD
OTHER TIERS: 0.25% → $500 - $100k
0.30%*$100k*-36 - 47 Month CD
OTHER TIERS: 0.25% → $500 - $100k
0.30%*$100k*-48 - 59 Month CD
OTHER TIERS: 0.25% → $500 - $100k
0.25%*$100k*-12 - 17 Month CD
OTHER TIERS: 0.20% → $500 - $100k
0.25%*$100k*-18 - 23 Month CD
OTHER TIERS: 0.20% → $500 - $100k
0.25%*$100k*-24 - 29 Month CD
OTHER TIERS: 0.20% → $500 - $100k
0.15%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.10% → $500 - $100k
0.15%*$100k*-7 - 11 Month CD
OTHER TIERS: 0.10% → $500 - $100k
0.10%*$100k*-15-90 Day Short Term CD
OTHER TIERS: 0.05% → $2.5k - $100k
0.10%*$100k*-3 Month CD
OTHER TIERS: 0.05% → $500 - $100k

The Ephrata National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-60 Month IRA
OTHER TIERS: 0.30% → $500 - $100k
0.30%*$100k*-30 - 35 Month IRA
OTHER TIERS: 0.25% → $500 - $100k
0.30%*$100k*-36 - 47 Month IRA
OTHER TIERS: 0.25% → $500 - $100k
0.30%*$100k*-48 - 59 Months IRA
OTHER TIERS: 0.25% → $500 - $100k
0.25%*$100k*-12 - 17 Month IRA
OTHER TIERS: 0.20% → $500 - $100k
0.25%*$100k*-18 - 23 Month IRA
OTHER TIERS: 0.20% → $500 - $100k
0.25%*$100k*-24 - 29 Month IRA
OTHER TIERS: 0.20% → $500 - $100k
0.15%*$100k*-6 - 11 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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