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  2. The Ephrata National Bank

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 29th largest bank in the state of Pennsylvania. It is also the 634th largest bank in the nation. It was established in 1881 and as of March of 2022, it had grown to 279 employees at 18 locations. The Ephrata National Bank has an A health rating.

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Health
A

Data as of Q1 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees279
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD9.59%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$1.70B$1.53B
LoansQ1 2022vs Q1 2021$939.8MM$831.3MM
DepositsQ1 2022vs Q1 2021$1.52B$1.33B
Equity CapitalQ1 2022vs Q1 2021$130.9MM$142.6MM
Loan Loss AllowanceQ1 2022vs Q1 2021$13.0MM$12.7MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$3.6MM$832.00K
Real Estate OwnedQ1 2022vs Q1 2021$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: 0.05% → Up to $50k | 0.10% → $50k - $500k

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$250k*-Interest Checking Account
OTHER TIERS: 0.02% → Up to $250k

The Ephrata National Bank CD Rates

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

The Ephrata National Bank IRA Rates

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

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