BlastPoint's Banking Scorecard
The Ephrata National Bank
Community
Specialty: Other
PA
FDIC cert 7493
Ephrata, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
The Ephrata National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.01% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+1.8% YoY
+1.6% QoQ
|
+$865.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.5B
+6.1% YoY
+2.4% QoQ
|
+$526.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.9B
+1.3% YoY
+1.6% QoQ
|
+$750.0M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.08%
+31.4% YoY
+1.2% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.35%
+11.2% YoY
+1.3% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
65.30%
-8.8% YoY
+0.2% QoQ
|
+2.67% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.63%
-25.4% YoY
-6.8% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
78.42%
+4.8% YoY
+0.8% QoQ
|
-4.64% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
36.05%
+7.9% YoY
+9.0% QoQ
|
+15.01% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.42%
-22.3% YoY
-6.1% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.87%
+4.9% YoY
+0.7% QoQ
|
+3.63% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.81%
-0.3% YoY
+33.2% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.05%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.05% · Tier avg: 21.05%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.87% · Tier avg: 10.24%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.42% · Tier avg: 83.06%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
40
40th pctile
Efficiency Ratio
Current: 65.30% · Tier avg: 62.63%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
Top Weaknesses
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
40
40th pctile
Efficiency Ratio
Current: 65.30% · Tier avg: 62.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.42% · Tier avg: 83.06%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.87% · Tier avg: 10.24%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.05% · Tier avg: 21.05%