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 The Ephrata National Bank
The Ephrata National Bank
| RSSD ID 425911 | CERTIFICATE 7493 | ABA NUMBER 31308250 |
| 31 E Main St |
Quarter Ended : |
2025-03-31 |
| Ephrata, Pennsylvania, 17522 |
Updated : |
2025-04-28 |
| www.epnb.com |
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| Institution Profile |
| Year Opened : |
1881 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
All Other Over 1 Billion |
| Number of Offices : |
18 |
Number of Employees : |
306 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,219,744 |
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Total Interest Income | 25,550 |
| Total Liabilities | 2,048,414 |
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Total NonInterest Income | 4,296 |
| Total Bank Equity Capital | 171,330 |
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Total Interest Expense | 8,889 |
| Total Deposits | 1,894,860 |
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Total NonInterest Expense | 14,280 |
| Net Loans & Leases | 1,426,925 |
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Net Income | 4,780 |
| Loan Loss Allowance | 16,537 |
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Net Charge Offs | 10 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 222,866 |
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Total loans | 1,436,318 |
| Total assets for the leverage ratio | 2,230,860 |
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Loans secured by real estate: | 1,260,277 |
| Tier 1 Leverage Ratio | 9.19 |
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Commercial and industrial loans | 84,184 |
| Tier 1 Capital Ratio | 13.42 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.59 |
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Loans to individuals - Other | 6,459 |
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:· The Ephrata National Bank
