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 40^th largest bank in the state of Pennsylvania. It is also the 706^th largest bank in the nation. It was established in 1881 and as of June of 2019, it had grown to 267 employees at 17 locations. The Ephrata National Bank's CD rates are 17% higher than the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	7493
Year Established	1881
Employees	267
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	10.86%
Annual Interest Income	$20.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$1.13B$1.05B
Loans	Q2 2019vs Q2 2018	$712.9MM$622.5MM
Deposits	Q2 2019vs Q2 2018	$942.0MM$879.2MM
Equity Capital	Q2 2019vs Q2 2018	$111.3MM$97.0MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$9.0MM$8.2MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$2.1MM$1.4MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.15%	$1	-	EZSave Club
0.05%	-	-	Statement Savings Account
0.05%	-	-	Super Saver

The Ephrata National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$1m^*	-	Personal Money Market Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.35% → $100k - $500k \| 0.40% → $500k - $1m

The Ephrata National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$500k^*	-	Interest Checking Account
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $500k

The Ephrata National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.45% → $500 - $100k
1.10%^*	$100k^*	-	48 - 59 Month CD
OTHER TIERS: 1.00% → $500 - $100k
1.05%^*	$100k^*	-	12 - 17 Month CD
OTHER TIERS: 1.00% → $500 - $100k
0.85%^*	$100k^*	-	36 - 47 Month CD
OTHER TIERS: 0.75% → $500 - $100k
0.75%^*	$100k^*	-	30 - 35 Month CD
OTHER TIERS: 0.65% → $500 - $100k
0.50%^*	$100k^*	-	24 - 29 Month CD
OTHER TIERS: 0.40% → $500 - $100k
0.40%^*	$100k^*	-	18 - 23 Month CD
OTHER TIERS: 0.30% → $500 - $100k
0.25%^*	$100k^*	-	7 - 11 Month CD
OTHER TIERS: 0.20% → $500 - $100k
0.20%^*	$100k^*	-	4 - 6 Month CD
OTHER TIERS: 0.15% → $500 - $100k
0.15%^*	$100k^*	-	15-90 Day Short Term CD
OTHER TIERS: 0.10% → $2.5k - $100k
0.15%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.10% → $500 - $100k

The Ephrata National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.45% → $500 - $100k
1.10%^*	$100k^*	-	48 - 59 Months IRA
OTHER TIERS: 1.00% → $500 - $100k
1.05%^*	$100k^*	-	12 - 17 Month IRA
OTHER TIERS: 1.00% → $500 - $100k
0.85%^*	$100k^*	-	36 - 47 Month IRA
OTHER TIERS: 0.75% → $500 - $100k
0.75%^*	$100k^*	-	30 - 35 Month IRA
OTHER TIERS: 0.65% → $500 - $100k
0.50%^*	$100k^*	-	24 - 29 Month IRA
OTHER TIERS: 0.40% → $500 - $100k
0.40%^*	$100k^*	-	18 - 23 Month IRA
OTHER TIERS: 0.30% → $500 - $100k
0.20%^*	$100k^*	-	6 - 11 Month IRA
OTHER TIERS: 0.15% → $500 - $100k
0.15%	$10	-	18 Month Flex IRA

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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