Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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Banks/FDIC #7493

Regulatory profile

EPHRATA NATIONAL BANK

FDIC certificate #7493 · RSSD 425911

Current published filing2026-06-30History & events for prior periods

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Legal statusActive

Primary regulatorOCC

Peer cohort$1B–$10B assets

Current parentNo matched current parent

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Peer interpretation

Strengths and opportunities

$1B–$10B asset cohort · 902 institutions

in lineReturn on assets32ndfavorable percentile · n=902

in lineReturn on equity43rdfavorable percentile · n=894

in lineNet interest margin54thfavorable percentile · n=902

in lineEquity to assets31stfavorable percentile · n=894

in lineNoncurrent loans49thfavorable percentile · n=887

in lineLiquid assets65thfavorable percentile · n=895

in lineBrokered deposits61stfavorable percentile · n=890

in lineLoans to deposits64thfavorable percentile · n=890

Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.

Period-matched peer context

Percentiles use 890 verified constituents for the same filing period.

Brokered deposits to domestic deposits39thMedian 0.016 · n=890Open metric research →

Common equity tier 1 ratio46thMedian 0.135 · n=673Open metric research →

Selected CRE loans to gross loans and leases10thMedian 0.468 · n=862Open metric research →

Selected CRE loans to total capital13thMedian 2.970 · n=659Open metric research →

Domestic secured CRE noncurrent ratio73rdMedian 0.003 · n=872Open metric research →

Nontrading derivative fair value to assets88thMedian 0.000 · n=534Open metric research →

Unadjusted YTD efficiency ratio81stMedian 0.595 · n=888Open metric research →

Bank equity to assets31stMedian 0.104 · n=894Open metric research →