The Ephrata National Bank
Ephrata, PA · Owner: Hibshman TR Ephrata NB STK
$2.4B
total assets, June 30, 2026
$2.4B
total assets, June 30, 2026
The Ephrata National Bank is a national bank based in Ephrata, PA, owned by Hibshman TR Ephrata NB STK. As of June 30, 2026 it held $2.4 billion in assets and $2.0 billion in deposits; assets were up 7.5% from a year before. It has 22 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.4B
+7.5% in a year · -1.4% in a quarter
Deposits
$2.0B
+6.7% in a year · -2.4% in a quarter
Loans
$1.7B
+14.2% in a year · +1.5% in a quarter
Profit so far
$11.9M
Jan 1 to Jun 30, 2026 · +8.3% in a year
Capital ratio
9.63%
+0.34 pts in a year
Return on assets
1.01%
+0.02 pts in a year
Facts
- Type
- National bank
- Head office
- 31 E Main St, Ephrata, PA, 17522
- County
- Lancaster
- Holding company
- Hibshman TR Ephrata NB STK
- Established
- Mar 17, 1881
- Employees
- 355
- Branches
- 22 in 2 states
- Website
- www.epnb.com
- Id
- b7493
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
22 offices as of June 30, 2026, holding $2.0 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Pennsylvania | 18 | $1.8B | 90.6% |
| Maryland | 4 | $190M | 9.4% |
| Largest branches | Place | Deposits |
|---|---|---|
| The Ephrata National Bank (main office) | Ephrata, PA | $409M |
| Cloister Branch | Ephrata, PA | $240M |
| Hinkletown Branch | New Holland, PA | $197M |
| Blue Ball Branch | East Earl, PA | $193M |
| Denver Branch | Denver, PA | $182M |
| Akron Office Branch | Akron, PA | $126M |
| Kissel Hill Branch | Lititz, PA | $97.9M |
| Manheim Branch | Manheim, PA | $91.6M |
| Cecil Bank Branch | Elkton, MD | $86.3M |
| Morgantown Branch | Morgantown, PA | $74.1M |
Related pages
Questions and answers
How big is The Ephrata National Bank?
$2.4 billion in total assets and $2.0 billion in deposits as of June 30, 2026, with assets up 7.5% from a year before. Its loans were $1.7 billion.
How many branches does The Ephrata National Bank have?
22 branches in 2 states as of June 30, 2026. The most deposits are in Pennsylvania ($1.8 billion).
Is The Ephrata National Bank profitable?
Yes: it earned $11.9 million from January 1 to June 30, 2026 (up 8.3% from the same months a year before). Its return on assets was 1.01% a year; about 1% is typical.
Who owns The Ephrata National Bank?
The Ephrata National Bank is owned by Hibshman TR Ephrata NB STK, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.