☰

Home›
Banks›
The Ephrata National Bank

iAdvertiser Disclosure

The Ephrata National Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Ephrata National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

The Ephrata National Bank's 9-Month No Penalty CD rates are at 3.15%. MonitorBankRates evaluates the financial stability of The Ephrata National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.69%. Rates were last updated on 05/04/2026.

The Ephrata National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Ephrata National Bank? Share your experience about The Ephrata National Bank by leaving a review below, or read customer reviews before you decide to use The Ephrata National Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.69%

Excellent Lower than avg

The Ephrata National Bank

31 E Main St
Ephrata, PA 17522

http://www.epnb.com

The Ephrata National Bank CD Rates

Product	Rate	APY	Term	View More
9-Month No Penalty CD	-	3.15%	9
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Ephrata National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Ephrata National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Ephrata National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Ephrata National Bank

Bank Holding Company HIBSHMAN TR EPHRATA NB STK

Address 31 E Main St, Ephrata, PA 17522 · Lancaster

Website https://www.epnb.com

FDIC Certificate # 7493

Established 03/17/1881

FDIC Insurance Date 01/01/1934

Domestic Offices 19

Total Branches 23

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6736%

Return on Equity (ROE) 9.4300%

Non-Performing Loans (NPL) 0.16%

Total Assets $2,256,965,000

Total Deposits $1,914,564,000

Equity Capital $198,640,000

Net Income $23,967,000

Headquarters Ephrata

Total Offices 19

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for The Ephrata National Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for The Ephrata National Bank

Frequently Asked Questions About The Ephrata National Bank

How many branches does The Ephrata National Bank operate?

The Ephrata National Bank currently maintains approximately 23 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Ephrata National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Ephrata National Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Ephrata National Bank offer online and mobile banking?

Most modern institutions like The Ephrata National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.epnb.com.