Banks | The Ephrata National Bank

The Ephrata National Bank


The Ephrata National Bank is an FDIC insured institution headquartered at 31 E Main St, Ephrata, PA 17522.
It was founded in 1881 and has approximately $2 billion in assets. Customers can open an account at one of its 17 branches.

Deposit Rates - November 14, 2024

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.20% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.20% $10,000 Compare
24 Mo CD
0.25% $100,000 Compare
30 Mo CD
0.25% $10,000 Compare
30 Mo CD
0.30% $100,000 Compare
36 Mo CD
0.25% $10,000 Compare
36 Mo CD
0.30% $100,000 Compare
48 Mo CD
0.25% $10,000 Compare
48 Mo CD
0.30% $100,000 Compare
60 Mo CD
0.30% $10,000 Compare
60 Mo CD
0.35% $100,000 Compare
MM RATES APY MIN
Money Market
0.02% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.02% $1
Int Ckg
0.02% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7493
Date Established 1881
Assets $ 2.02 billion
Loans $ 1,370.56 million
Deposits $ 1,756.15 million
Capital $ 160.68 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 106.56 million
Interest-bearing balances $ 78.90 million
Total securities $ 446.00 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,370.56 million
Loan loss allowance $ 14.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.38 million
All other assets $ 64.82 million
     Total Assets $ 1,860.90 million

LIABILITIES
Total deposits $ 1,756.15 million
      Interest-bearing deposits $ 1,131.02 million
      Deposits held in domestic offices $ 1,756.15 million
      % insured (estimated) 87.91%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 67.52 million
Subordinated debt N.A.
All other liabilities $ 3.66 millionn
      Total Liabilities $ 1,860.90 million
      Shareholders’ Equity $ 160.68 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 43.96 million
Total Interest Expense $ 15.66 million
Net interest income $ 28.31 million
Provision for loan and lease losses N.A.
Total non interest income $ 8.98 million
Total non interest expense $ 26.74 million
Pre-tax Net Operating Income $ 7.11 million

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