The Ephrata National Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4B | $2.1B | $1.6B | $217M | $5M | 0.91% | 10.29% | 3.63% | 0.84% |
| Q4 2025 | $2.3B | $1.9B | $1.5B | $199M | $6M | 1.08% | 13.30% | 3.35% | 0.62% |
| Q3 2025 | $2.2B | $1.9B | $1.5B | $189M | $7M | 1.06% | 13.45% | 3.31% | 0.66% |
| Q2 2025 | $2.2B | $1.9B | $1.4B | $176M | $6M | 0.99% | 12.88% | 3.25% | 0.70% |
| Q1 2025 | $2.2B | $1.9B | $1.4B | $171M | $5M | 0.86% | 11.31% | 3.17% | 0.74% |
| Q4 2024 | $2.2B | $1.9B | $1.4B | $167M | $4M | 0.82% | 10.46% | 3.01% | 0.83% |
| Q3 2024 | $2.1B | $1.8B | $1.4B | $171M | $4M | 0.85% | 10.72% | 3.00% | 0.70% |
| Q2 2024 | $2.0B | $1.8B | $1.4B | $161M | $5M | 0.93% | 11.83% | 3.01% | 0.32% |
| Q1 2024 | $2.0B | $1.7B | $1.4B | $156M | $5M | 0.91% | 11.67% | 2.95% | 0.31% |
| Q4 2023 | $2.0B | $1.7B | $1.3B | $153M | $5M | 0.75% | 10.31% | 3.13% | 0.24% |
| Q3 2023 | $1.9B | $1.7B | $1.3B | $131M | $4M | 0.67% | 9.43% | 3.19% | 0.26% |
| Q2 2023 | $1.9B | $1.7B | $1.3B | $140M | $2M | 0.57% | 7.95% | 3.23% | 0.26% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.