# EPHRATA NATIONAL BANK
EPHRATA, PA · FDIC certificate 7493 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.39B | |
| Deposits | $2.02B | |
| Loans and leases | $1.67B | |
| Total equity | $225.5M | |
| Loans / deposits | 81.79% (p37 of band) | 87.10% |
| Liquid assets / assets | 25.31% (p65 of band) | |
| Uninsured deposits / deposits | 12.06% (p6 of band) | 30.76% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 5.67% (p48 of band) | |
| FHLB advances / assets | 4.73% | |
| Tier 1 leverage | 9.63% (p26 of band) | 10.50% |
| Unrealized securities loss / equity | -16.43% (p26 of band) | -7.75% |
| AOCI / equity | 1.01% (p96 of band) | |
| ROA (annualized) | 1.01% (p32 of band) | 1.26% |
| Net interest margin | 3.76% (p54 of band) | 3.70% |
| Efficiency ratio | 70.94% (p81 of band) | |
| Noncurrent loans | 0.54% (p52 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p51 of band) | |
| Reserve coverage of noncurrent | 204.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 31.38% (p32 of band) | |
| Auto loans | $61.6M (3.68% of loans; DQ 0.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 355 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 0 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [8 things to know: Pennsylvania bank enters Maryland - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOa1dLWXlwVjNKSWVFUmpxa284eXJyZWVYbzVvTmNhdFdYaGNFSUFCRTVjMFdhS09BeGNIM01VeHpZdGtZNzY2bmJ4ZjhBVFJWOHItYVhyX2N4bnJKYmVKcFAzenBSemNZN3RqXzZiLWJCNFdGcmxYQmZJbFpJMWRmN0hTN2c5cTRnbWNLTE1BTS1XMXVQOW1OX1YyQ3RELXQ2VEhwOFhQYU1qeFZpc1E?oc=5) · The Business Journals
- 2025-12-18 [Ephrata National Bank's plan approved to build new facility on site of historic Wenger Feed Mill - WGAL](https://news.google.com/rss/articles/CBMitAFBVV95cUxOeVpkbUR4U0tCN2ZuWVpEZWxfVE42ZU9WcTV2RFc1eVJuZ19sODZ3bkZMeFFfLWdKWEI1OUJoeXlTUFdFYUNSMVp3bjZBWW54cTdiQjdPZ25Dd2hVNmZPdUlaZWZoWXg2MnRwVFRJdUpxWjVpVGtFZzF4WklBUTEtR0wzNms5Uzk4ODBGSkRHM3B1QlhOYmY0Nmsydm5RQUVuSnVrNEZ5T1REaFk1Qy1xMkJ5MDg?oc=5) · WGAL
- 2025-12-20 [Historic feed mill demolition OK'd to clear way for $33M Ephrata National Bank expansion - LancasterOnline](https://news.google.com/rss/articles/CBMihgJBVV95cUxPSzdjRUZQN01OOUtpSTNUQ1J6NUVpcUFLc2s4ekFoV0xYSkZ3OHVWYlZXOVZwUjZmZmdwajNBelRHcV90aGZkZUs4Z1JKVHlVMXJUcnBvaDZLaTRkVktxc1VzRjFGbHc0anRtdllEZGoxc1JvcXlSNzQ5SUJhNVpvMkpiRnRCQldCcjlzVllPQlhHRnVkWG1BZG81WXJqUmlIdzNzYjJmYnQ5NE9faFJNTHN1UnN1WG0wd1lBSHZVbmxOWE9fZE1sNTRPaVNHNy1NYTE4NFpXUjE4ZWdlZHB2UDl1Tmk0c1lRcG1ZeDdnR1VobGhaZW05V3R4RVdNSVlZQjZDZnFB?oc=5) · LancasterOnline
- 2025-12-16 [Historic Preservation Trust of Lancaster County opposes demolition of vacant properties - local21news.com](https://news.google.com/rss/articles/CBMijwJBVV95cUxNWDI1MExMN3o2WFFIXzJfUlV0a1dMd3ZDbmowNVFsam13Qk5MRXRKUy1na0phaFEzSzRSX1NaUXZwMlktb3N3RDBzS19qZHEyS0lQTWo4OWlXUmtkRVBjTUZpQ1BPbHBTbVgwc3d4YUZtRUF3X0NZTDU0ZTFQS3NNTHRHYkx2N2hBVEh2WnlHX1M0cE0yZGRscGVtb3NqcFdOZmU2THVKR0JfSnh6bkVvOGxkNFdhU0FaN2dZV3AxeXN0Qm1vTHZyZG5oNlRLX0RkSHJCaldRVDZGc2xZc2xzazNsRFZlX1dKY1hBdFhIZFZ0VHAxSW1sNlpOcjJQRU5SNjhtVXdvYVRxb245SEVv?oc=5) · local21news.com
- 2025-12-18 [Ephrata Zoning Board approves downtown demolition proposal - fox43.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxPb2FKbnlHTHdKQ1ZKRmRnVUtFMW9lTnQzV0tkd0h5NkdFRzFzWDh6ZU92dVd3VS03azBVOGpPMXplb2JhYnI2bHU2azRlWGNrUVQ4dUt0SlJRU0ZIUkRWYzNfRWZneHN3SHZoMjNNN1h2dkp5Y0E2ckd2UWE3SGZDX3dNVVdpVFAzZ2duSlk0aUZyeXNrVExJZ0ZVSFU5VXd1VzRtcmdOMEE2REdoVU5tNlFlUFY0TkppNzRsWHJOY3BYVUU5NEFPTl9PR0RQbU9KTThpWFp6d0hjcXhGbGhia2ZUZVJ5c19WWEZHcXlqNlN6eW1Ddk04MGtaQVpqQ01YVU9SNw?oc=5) · fox43.com
- 2025-09-24 [Leadership of Ephrata National Bank has big plans for Cecil Bank - Cecil Daily](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPek1OVGh5bUFfdmR3WnRmV1VWeFFyYmxzQ21zZkpJc1FUY0JUbXJBRG9YTjg0SGE5MFNCMEtZeElhd1IzcEc3NVYyX2hhaXBOV3RGXzRKRFV6eVh5aFpTUEtfeVJPWmdCTDFiQ2phWDFsd0NhMlI4SGdtV3NxUm5xYmx5TzNaQnlGVVkxZ3E1d3VMZUtnYW11SW1DV1N2TWlHdUowR3hmUHB4eVJuckxOYW9uR1g3WVlfZXRReGo1RWtocDhJZG14TTM2ay1xNDRJajdjUG15OTNESVJzY2pFVGY1RHM?oc=5) · Cecil Daily
- 2026-01-12 [Ephrata-based ENB Financial gets regulatory OK to buy Maryland-based Cecil Bancorp - LancasterOnline](https://news.google.com/rss/articles/CBMikgJBVV95cUxOYWhoRVFlMUsydm82Mlc5UU1xZXJ4Und6RzY3NW5vMXZXSVVvQ3FOb2kweThXUlVVeUs3c3o1WUFfdHF2N3FtWHpXekR5SFlFR1lTVDA5M283aWZUM3pRZHd2NnBQTWJDNS1aeXpqRDFrQkZFdEJsdGlEbU5laE5pRlVEbGZHaFg1Zm1aU2dTNEh6VWRCZmZZME51Z0ZZamxPaWtrNlZJTk9uZ2xjdml2S3NqdmI0UEptZ2pDZmZyUkR6QmN5NW9oX210emFlMUhRUkNmRWJjVVNsanJDOHZyUy1iQ1VvUUFjaFlwUUtuY003RVQydU9BQmJ2QkZYNmE5UUdFcGVsYTU3bjZtSVB2aTJB?oc=5) · LancasterOnline
- 2025-11-23 [Ephrata National Bank in Lancaster County withdraws application to demolish Wenger Feed Mill - WGAL](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQ2prdkpJZXBtNi0yUzJGeVlwOXVzVS02S0Z0TFEzX1pSRElhcXpMeHFBMVBFSGxZM3pFNFNYV2FxNUhEZ1NZZ0ljY05nSEFKMWRTSHF1aGFhQ0xjazhPQzM5ZUNlZUtiQnAtMVpyaEdXVEFfZzJtRkRURVpwZGpsbkJieFdHbHplWUppZ01UZ1Jia2oxU1lZOWphWDEyVzJ5UWEtRWx4ckpmNHU4Znc?oc=5) · WGAL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7493 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "7493", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide