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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Ephrata National Bank

Ephrata, Pennsylvania · $2.39B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

103.5%
CRE / capital
1st of 12
15.6%
CRE / loans
2nd of 12
71.4%
Efficiency
11th of 12

Ephrata National Bank is the sixth largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.39B in assets at 30 June 2026. Loans are 82.7% of deposits, 4th of 12 against a median of 84.0%, and equity is 9.4% of assets, 5th of 12. Loans grew +14.2% in the year, 5th of 12, and deposits grew 6.7%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 0.54% of the book, 4th of 12 against a median of 0.67%; 0.23% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 15.6% of loans, 2nd of 12 against a median of 29.1%, and 104% of capital, below the 300% screen, with construction at 28% against the 100% screen.

Return on assets is 0.98%, 8th of 12 against a median of 1.13%, on an efficiency ratio of 71.4%, 11th of 12. Five years ago it was 1.08%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 204% EN Ephrata National Bank 104% Bo Bank of Bird-in-hand 115% JB Journey Bank 144% EB Embassy Bank Lehigh Valley 177% FD Fidelity Deposit & Discount Bank 188% WB Wayne Bank 201% ST Somerset Trust Co. 206% MB Meridian Bank 307% NB Nextier Bank National Association 315% QB QNB Bank 332% FM Farmers & Merchants Trust Chamber 367% KB Kish Bank 406%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

SBA 7(a), FY2008 to FY2026

Ephrata National Bank is the 131st largest 7(a) lender into Pennsylvania of 374, with $8M across 6 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $747M). 5 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cecil, MD$7M2nd of 349.6%quiet FY2013
New Castle, DE$5M25th of 1210.8%quiet FY2012
Montgomery, PA$4M66th of 1600.3%quiet FY2012
Richmond City, VA$4M12th of 772.1%quiet FY2012
Allegheny, PA$3M56th of 1400.2%thin
Ocean, NJ$2M64th of 1190.3%quiet FY2014
Lancaster, PA$1M56th of 1040.3%thin
Lebanon, PA$350K28th of 400.5%thin
Harford, MD$68K69th of 710.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services7$18M70.5%0.02%404th of 2,596
Construction1$3M9.7%0.01%832nd of 2,063
Transportation & warehousing1$2M8.0%0.02%543rd of 1,563
Arts, entertainment & recreation2$846K3.3%0.01%868th of 1,656
Wholesale trade1$800K3.1%0.00%967th of 1,651
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Ephrata National Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans TE The Ephrata National Bank 0.1% $8M · 6 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Ephrata National BankRankCohort median
Total CRE against capital, the 300% screen104%1st of 12204%
Construction against capital, the 100% screen28%3rd of 1249%
Construction and land development, share of loans4.2%3rd of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans6.1%1st of 1216.8%
Total CRE, the guidance definition, share of loans15.6%2nd of 1229.1%
CRE growth over 36 months, the third prong+46.0%4th of 12+59.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ephrata National BankCohort median
20212026Change20212026Change
Loans$871M$1.67B+92%$1.07B$1.73B+62%
Deposits$1.37B$2.02B+47%$1.39B$2.01B+44%
NPA / loans0.11%0.54%+0.43 pts0.43%0.67%+0.24 pts
Efficiency65.5%71.4%+5.9 pts61.1%60.7%-0.4 pts
ROA1.08%0.98%-0.10 pts1.05%1.13%+0.09 pts

This read was prepared for Ephrata National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ephrata National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution www.epnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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