The Ephrata National Bank is a bank based in Ephrata, Pennsylvania, established in 1881, with $2.4 billion in total assets across 23 branches. By Trust Grade it ranks 65th of 110 banks we track in Pennsylvania. Its capital ratio of 8.9% trails most similarly sized banks (22th percentile), versus a Pennsylvania median of 10.7%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against The Ephrata National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Ephrata National Bank compares to Pennsylvania peers
How we graded The Ephrata National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Profitable (ROA 0.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Ephrata National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (23)
- 809 Martin Ave, Ephrata, PA 17522
- 935 N Railroad Ave, New Holland, PA 17557
- 1 Main St, Denver, PA 17517
- 351 S 7th St, Akron, PA 17501
- 108 North East Plz, North East, MD 21901
- 3190 Lititz Pike, Lititz, PA 17543
- 56 Rising Sun Town Ctr, Rising Sun, MD 21911
- 31 E Franklin St, Ephrata, PA 17522
- 47 E Main St, Ephrata, PA 17522
- 127 North St, Elkton, MD 21921
- 42 E Main St, Ephrata, PA 17522
- 110 Marble Ave, East Earl, PA 17519
- 4434 Telegraph Rd, Elkton, MD 21921
- 31 E Main St, Ephrata, PA 17522
- 1 N Penryn Rd, Manheim, PA 17545
- 361 W Main St, Leola, PA 17540
- 615 E Lincoln Ave, Myerstown, PA 17067
- Po Box 457, Ephrata, PA 17522
- 6296 Morgantown Road, Morgantown, PA 19543
- 1298 Georgetown Rd, Quarryville, PA 17566
- 60 Historic Drive, Strasburg, PA 17579
- 101 E State St, Quarryville, PA 17566
- 1 E Main St, Lititz, PA 17543
Are deposits at The Ephrata National Bank insured?
Yes. The Ephrata National Bank is an FDIC-insured bank (FDIC certificate #7493). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Ephrata National Bank: frequently asked questions
Is The Ephrata National Bank a good bank?
The Ephrata National Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Profitable (ROA 0.91%).
Is The Ephrata National Bank FDIC-insured?
Yes. The Ephrata National Bank is a FDIC-insured bank (FDIC certificate #7493). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Ephrata National Bank?
The Ephrata National Bank holds $2.4 billion in total assets, ranking 65th of 110 banks we track in Pennsylvania. It operates 23 branches.
Does The Ephrata National Bank have CFPB complaints?
No CFPB complaints against The Ephrata National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
