BlastPoint's Banking Scorecard
The Ephrata National Bank
Designations: ✓ Community bank
Ephrata, PA
23 branches across PA · MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +6.7% year over year ($2.0B on the books).
- Delinquency rate 0.55%.
- Return on assets 1.01%.
- Efficiency ratio 70.94% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Ephrata National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.98% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 58.1% in tier
- - ROA 0.38% below tier average
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+7.5% YoY
-1.4% QoQ
|
-$403.3M |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$1.7B
+14.2% YoY
+1.5% QoQ
|
-$308.2M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$2.0B
+6.7% YoY
-2.4% QoQ
|
-$295.3M |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.01%
+2.1% YoY
+10.9% QoQ
|
-0.38% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.76%
+16.0% YoY
+3.7% QoQ
|
-0.11% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
70.94%
+7.6% YoY
-1.9% QoQ
|
+11.22% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.55%
-23.0% YoY
-35.6% QoQ
|
-0.32% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
81.79%
+7.1% YoY
+4.1% QoQ
|
-3.24% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
35.25%
+6.3% YoY
+4.5% QoQ
|
+13.98% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-19.1% YoY
-28.2% QoQ
|
-0.26% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.24%
-2.7% YoY
+1.6% QoQ
|
-1.61% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.35%
-8.9% YoY
+95.8% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.3%
+2.1pp YoY +1.5pp QoQ |
+13.9pp | 21.4% | 18.7% | 22.2% | 92% |
| Brokered Deposits |
0.2%
-4.9pp YoY -3.1pp QoQ |
-9.3pp | 9.5% | 6.8% | 8.5% | 7% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
+1.4pp YoY -0.2pp QoQ |
-6.3pp | 14.0% | 8.6% | 12.5% | 32% |
| CRE |
26.0%
+0.4pp YoY +2.1pp QoQ |
-24.1pp | 50.0% | 37.9% | 41.4% | 9% |
| 1-4 Family |
42.1%
-4.7pp YoY -0.6pp QoQ |
+15.6pp | 26.4% | 47.8% | 31.3% | 84% |
| Consumer |
4.6%
+4.1pp YoY -0.6pp QoQ |
-0.1pp | 4.7% | 3.8% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-0.4pp YoY +0.2pp QoQ |
-2.4pp | 15.6% | 22.3% | 19.7% | 45% |
| Leverage Ratio |
9.6%
+0.3pp YoY +0.1pp QoQ |
-1.7pp | 11.3% | 13.2% | 12.6% | 26% |
| Total Capital Ratio |
14.3%
-0.4pp YoY +0.1pp QoQ |
-2.4pp | 16.7% | 23.3% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
355
+30 (+9.2%) YoY +3 (+0.9%) QoQ |
+41 | 313 | 299 | 482 | 73% |
| Assets per Employee ($) |
$6.7M
-1.6% YoY -2.2% QoQ |
-$3.7M | $10.5M | $9.2M | $8.8M | 21% |
| Branch Count |
23
+4 (+21.1%) YoY 0 QoQ |
+3 | 20 | 20 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY -0.3pp QoQ |
-0.3pp | 0.8% | 0.9% | 1.0% | 52% |
| Allowance Coverage |
2.04x
+26.8% YoY +48.6% QoQ |
-16.67x | 18.71x | 3.63x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
-1.7pp YoY +0.9pp QoQ |
-1.4pp | 12.6% | 10.2% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.8% | 1.7% | 17% |
| Net Income ($, YTD) |
$11.9M
+8.3% YoY — QoQ |
-$7.3M | $19.2M | $18.2M | $40.4M | 48% |
Get Full Access to The Ephrata National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.