The Ephrata National Bank
Headquarters: Ephrata, Pennsylvania
Overview
The Ephrata National Bank is an FDIC-insured bank headquartered in Ephrata, Pennsylvania. It reported $2.39B in assets and $2.02B in deposits for the period ending June 30, 2026. Bankular currently lists 23 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where The Ephrata National Bank has branches
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Locations
Find a branch of The Ephrata National Bank
Cecil Bank
127 North St, Elkton, Maryland, 21921
Full-service branch · Opened February 1, 2026
Address and directions →Akron Office
351 S 7th St, Akron, Pennsylvania, 17501
Full-service branch · Opened January 20, 1999
Blue Ball
110 Marble Ave, East Earl, Pennsylvania, 17519
Full-service branch · Opened August 16, 2005
Branch
PO Box 457, Ephrata, Pennsylvania, 17522
Limited Service: Messenger · Opened May 2, 2016
Address and directions →Cloister
809 Martin Ave, Ephrata, Pennsylvania, 17522
Full-service branch · Opened January 23, 1967
Denver Branch
1 Main St, Denver, Pennsylvania, 17517
Full-service branch · Opened February 2, 1981
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $2.39B | $2.02B | $1.66B | 1.01% |
| March 31, 2026 | $2.42B | $2.07B | $1.63B | 0.91% |
| December 31, 2025 | $2.26B | $1.91B | $1.50B | 1.08% |
| September 30, 2025 | $2.22B | $1.89B | $1.47B | 1.06% |
| June 30, 2025 | $2.22B | $1.90B | $1.45B | 0.99% |
| March 31, 2025 | $2.22B | $1.89B | $1.43B | 0.86% |
| December 31, 2024 | $2.22B | $1.89B | $1.42B | 0.82% |
| September 30, 2024 | $2.09B | $1.82B | $1.40B | 0.85% |
Size and reach
How this institution compares
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More on The Ephrata National Bank
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Branch locations
23 listed locations.
Explore →Compare this institution
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Explore →State banking market
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Explore →Ephrata banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is The Ephrata National Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 7493.
Where is The Ephrata National Bank headquartered?
The Ephrata National Bank is headquartered in Ephrata, Pennsylvania, at 31 E Main St, Ephrata, Pennsylvania, 17522.
How large is The Ephrata National Bank?
It reported $2.39B in assets and $2.02B in deposits for the period ending June 30, 2026.
How many locations does The Ephrata National Bank have?
Bankular currently lists 23 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.