Ephrata National Bank (FDIC #7493): Bank Stress & Real-Estate Credit Exposure
Ephrata National Bank (FDIC Cert #7493): bank stress 72/100, elevated, STABLE over 7 days; parent HIBSHMAN TR EPHRATA NB STK.
Ephrata National Bank (#7493) lends in 4 counties across 2 states; Ephrata National Bank (#7493) reaches 149 ZIP codes: Pennsylvania 3 counties, 134 ZIPs; Maryland 1 county, 15 ZIPs.
Ephrata National Bank (#7493) largest markets: Berks County, PA (64 branches, 64 ZIPs) (#7493), Lancaster County, PA (976 branches, 61 ZIPs) (#7493), Lebanon County, PA (21 branches, 21 ZIPs) (#7493), Cecil County, MD (60 branches, 15 ZIPs) (#7493).
Ephrata National Bank (#7493) reports $2.39 billion in total assets; Ephrata National Bank (#7493) equity $225.5 million (9.4% of Ephrata National Bank (#7493) assets); Ephrata National Bank (#7493) domestic deposits $2.02 billion; Ephrata National Bank (#7493) net income $11.9 million; Ephrata National Bank (#7493) return on assets 1.01%; Ephrata National Bank (#7493) return on equity 11.18%; Ephrata National Bank (#7493) net interest income $41.9 million; Ephrata National Bank (#7493) call report June 30, 2026.
Ephrata National Bank (#7493) noncurrent real-estate loans: none reported; Ephrata National Bank (#7493) net charge-offs on real estate 0.54%; Ephrata National Bank (#7493) multifamily charge-offs 0.27%; Ephrata National Bank (#7493) residential charge-offs 1.32%.
Ephrata National Bank (#7493) net interest margin 3.76% against an eight-quarter Ephrata National Bank (#7493) average of 3.31% (Ephrata National Bank (#7493) compression -0.45 points); Ephrata National Bank (#7493) non-residential real estate 132.2% of equity; Ephrata National Bank (#7493) rate-exposure score 40/100, Ephrata National Bank (#7493) fixed-rate trap 40/100; Ephrata National Bank (#7493) risk type credit driven; Ephrata National Bank (#7493) rate regime rates elevated, Ephrata National Bank (#7493) snapshot October 19, 2026.
Ephrata National Bank (#7493) stress score moved from 74.4 on June 22, 2026 to 72.2 on October 19, 2026; Ephrata National Bank (#7493) ranged 72.2 to 74.4 over 116 snapshots.
Ephrata National Bank (#7493) alerts: 4 counties; top Ephrata National Bank (#7493) alert scores: Morgantown County, PA 24 (low); Myerstown County, PA 24 (low); Rising Sun County, PA 24 (low); Strasburg County, PA 24 (low).