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

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OptimaYield board tearsheet · reported facts

EPHRATA NATIONAL BANK

FDIC #7493 · PA · period 20260630

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Total assets1,007,514-2.17% YoY

Total deposits837,056-2.37% YoY

Net loans and leases568,331-5.92% YoY

Return on assets0.74%-32.15% YoY

Return on equity7.85%-32.33% YoY

Net interest margin3.19%-2.89% YoY

Peer position

Return on assets32ndin line · n=902

Return on equity43rdin line · n=894

Net interest margin54thin line · n=902

Equity to assets31stin line · n=894

Noncurrent loans49thin line · n=887

Liquid assets65thin line · n=895

Brokered deposits61stin line · n=890

Loans to deposits64thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2017-03-31	1,007,514	837,056	568,331	0.74	7.85	3.19
2017-06-30	1,011,461	842,219	574,128	0.76	7.95	3.21
2017-09-30	1,009,690	839,887	579,858	0.78	8.08	3.25
2017-12-31	1,033,282	867,642	592,205	0.64	6.63	3.26
2018-03-31	1,029,827	857,348	604,072	1.09	11.60	3.28
2018-06-30	1,049,340	879,227	622,483	0.96	10.30	3.33
2018-09-30	1,061,615	892,180	662,145	0.97	10.43	3.39
2018-12-31	1,097,256	920,570	686,836	0.94	10.11	3.43
2019-03-31	1,111,540	930,340	703,937	0.96	10.23	3.55
2019-06-30	1,130,880	941,958	712,872	1.03	10.86	3.55
2019-09-30	1,145,395	947,180	730,208	1.04	10.74	3.55
2019-12-31	1,171,070	974,950	746,513	1.02	10.49	3.52
2020-03-31	1,177,411	983,096	756,736	0.83	8.46	3.40
2020-06-30	1,298,808	1,108,534	827,494	1.00	10.42	3.32
2020-09-30	1,316,278	1,127,174	836,189	0.98	10.23	3.27
2020-12-31	1,461,307	1,260,500	814,072	0.98	10.22	3.20
2021-03-31	1,530,657	1,330,151	831,261	1.21	12.78	2.81
2021-06-30	1,577,408	1,373,035	858,375	1.10	11.61	2.77
2021-09-30	1,596,353	1,395,505	870,981	1.10	11.64	2.82
2021-12-31	1,715,230	1,514,839	911,167	0.98	10.50	2.79
2022-03-31	1,703,115	1,520,847	939,815	0.79	9.59	2.72
2022-06-30	1,767,939	1,580,446	1,032,597	0.73	9.45	2.85
2022-09-30	1,822,154	1,639,231	1,105,485	0.82	11.10	3.01
2022-12-31	1,856,294	1,643,543	1,182,894	0.90	12.38	3.13
2023-03-31	1,886,501	1,654,255	1,241,420	0.65	9.07	3.27
2023-06-30	1,901,772	1,659,653	1,280,321	0.57	7.95	3.23
2023-09-30	1,906,088	1,664,791	1,320,329	0.67	9.43	3.19
2023-12-31	1,997,990	1,729,750	1,345,254	0.75	10.31	3.13
2024-03-31	1,990,537	1,723,964	1,367,632	0.91	11.67	2.95
2024-06-30	2,021,574	1,756,152	1,370,562	0.93	11.83	3.01
2024-09-30	2,090,548	1,816,556	1,397,763	0.85	10.72	3.00
2024-12-31	2,217,701	1,890,788	1,415,143	0.82	10.46	3.01
2025-03-31	2,219,744	1,894,860	1,430,209	0.86	11.31	3.17
2025-06-30	2,224,234	1,897,034	1,448,998	0.99	12.88	3.25
2025-09-30	2,221,119	1,885,310	1,466,888	1.06	13.45	3.31
2025-12-31	2,256,965	1,914,564	1,501,447	1.08	13.30	3.35
2026-03-31	2,423,035	2,074,075	1,630,102	0.91	10.29	3.63
2026-06-30	2,389,971	2,023,520	1,655,054	1.01	11.18	3.76

Structure and branch footprint

23 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-02-01	1	813572	425911

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.