BlastPoint's Banking Scorecard

The Ephrata National Bank

$1B-$10B Specialty: Other PA FDIC cert 7493

Designations: ✓ Community bank

Ephrata, PA

23 branches across PA · MD

884 banks in the $1B-$10B peer group nationally 37 in PA

The Ephrata National Bank faces 3 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.45% below tier average
- Net Interest Margin 0.19% below tier average
- Efficiency Ratio 11.26% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$2.4B +9.2% YoY +7.4% QoQ	-$392.7M	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$1.6B +14.0% YoY +8.6% QoQ	-$334.7M	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$2.1B +9.5% YoY +8.3% QoQ	-$269.2M	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	0.91% +6.0% YoY -15.0% QoQ	-0.45%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.63% +14.6% YoY +8.4% QoQ	-0.19%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	72.32% +6.1% YoY +10.8% QoQ	+11.26%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.85% +13.1% YoY +35.4% QoQ	-0.04%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	78.59% +4.1% YoY +0.2% QoQ	-5.61%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	33.72% +0.6% YoY -6.5% QoQ	+12.44%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Top 11.0% in tier
Nonperforming Asset Ratio ?	0.57% +18.1% YoY +36.9% QoQ	-0.10%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	13.03% -2.9% YoY -6.1% QoQ	-2.13%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.18% -7.3% YoY -77.8% QoQ	-0.08%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	65%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 33.72%

Peer Median: 21.29%

#98 of 884 Top 11.0% in $1B-$10B

Top Weaknesses (1 metrics)

715

Efficiency Ratio

profitability

Value: 72.32%

Peer Median: 61.06%

#715 of 884 Bottom 19.2% in $1B-$10B