Is Ephrata National Bank Safe?
Ephrata National Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (94/100), while profitability is its weakest area (65/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.52% | 89/100 |
| Nonperforming Loan Ratio | 0.32% | 94/100 |
| Liquidity Ratio | 27.33% | 89/100 |
| Return on Assets | 1.13% | 65/100 |
| Total Assets | $2.0B | |
How does Ephrata National Bank compare?
With a Bank Health Score of 88/100, Ephrata National Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Pennsylvania, where 119 FDIC-insured banks are headquartered, Ephrata National Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 13.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.32% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Ephrata National Bank's Bank Health Score improved by 4.0 points to 88/100. Tier 1 capital strengthened by 0.43 percentage points to 13.52%. Quarter-over-quarter, the score rose by 2.0 points.
Ephrata National Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is loan quality (94/100), while profitability is its weakest area (65/100).