FDIC certificate 7493
The Ephrata National Bank
Ephrata, Pennsylvania · 31 E Main St 17522
Hunter Score
This bank ranks near the middle of its size group.
Up 5 points from last quarter.
Compared with 619 banks with $1 billion to $3 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
The Ephrata National Bank has a Hunter Score of 40 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks near the middle of its size group. The comparison is with banks with $1 billion to $3 billion in assets.
The FDIC reported net interest margin of 3.76% (field NIMY). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 52 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 70.94% (field EEFFR). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 22 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Pennsylvania with $1 billion to $3 billion in assets, ordered by Hunter Score.
- Jonestown Bank and Trust Company, of Jonestown, Pennsylvania72out of 100
- Journey Bank70out of 100
- Central Penn Bank & Trust69out of 100
- The Honesdale National Bank69out of 100
- The Dime Bank68out of 100
Top Hunter Scores in Pennsylvania · Top scores with $1 billion to $3 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
11.18%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 46 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.01%
Profit for each dollar of assets. Higher is stronger.
Peer rank 35 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.76%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 52 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
70.94%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 22 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.54%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 46 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202640 out of 100
- Q1 2026, ending March 31, 202635 out of 100
- Q4 2025, ending December 31, 202546 out of 100
- Q3 2025, ending September 30, 202547 out of 100
- Q2 2025, ending June 30, 202547 out of 100
Download these quarters with Pro
Mergers in the FDIC history file
- 2026-02-01: Merger -Without Assistance. Cecil Bank and The Ephrata National Bank.
Older quarters
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About this bank
- Total assets
- $2.4 billion
- Deposits
- $2.0 billion
- Equity
- $225.5 million
- Tangible equity
- $218.8 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 23
- Charter
- National bank
- Specialty
- All Other Over 1 Billion
- Community bank
- Yes, by the FDIC definition
- Net income
- $11.9 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Hibshman Tr Ephrata Nb Stk, Ephrata, PA. Federal Reserve RSSD 1116681.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
31 E Main St, Ephrata, PA 17522
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.