Vitals
  • Total Assets
    983.9M 8.7 %
  • Total Deposits
    818.8M 10.6 %
  • Total Net Loans
    566.6M 10.2 %
  • Net Income
    7.5M 6.8 %
  • Book Value
    93.3M -0.8 %
  • Book Value x2
    186.5M -0.8 %
  • Book Value x3
    279.8M -0.8 %
ROAA

.799

ROAE

7.843

Efficiency Ratio

74.542

Net Interest Margin

3.126

Balance Sheet Highlights
Financial Highlights The Ephrata National Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 983,934 784,148
Total Net Loans 566,557 559,183
Total Deposits 818,804 637,080
Total Equity 93,255 81,247
Profitability
Net Income 7,524 6,303
Return on Average Assets .799 .785
Return on Average Equity 7.843 7.431
Net Interest Margin 3.126 3.473
Efficiency Ratio 74.542 69.514
Noninterest Income/Revenue 22.315 18.146
Balance Sheet Ratios
Loan-to-Deposit 69.193 86.432
Securities/Assets .313 .178
Total Equity/Total Assets .095 .104
Tangible Equity/Tangible Assets .094 .094
Capital Adequacy
Tier 1 Common Capital 98,176 72,881
Tier 1 Capital 98,176 73,172
Tier 2 Capital 7,908 6,143
Total Capital 106,084 79,518
Total Risk Weighted Assets 707,929 578,873
Leverage Ratio 10.05 9.899
Common Equity Tier 1 Capital Ratio 13.87 13.811
Tier 1 Capital Ratio 13.87 13.878
Total Capital Ratio 14.99 15.103

Timeline for The Ephrata National Bank

Enb Financial Corp

Enb Financial Corp became a new parent organization for The Ephrata National Bank.

View Profile Jul 01 2008

First Seneca Bank

First Seneca Bank became a new parent organization for The Ephrata National Bank.

View Profile Jun 01 1982

Hibshman Trust For Ephrata National Bank Stock, The

Hibshman Trust For Ephrata National Bank Stock, The became a new parent organization for The Ephrata National Bank.

View Profile Dec 31 1970

The Ephrata National Bank

The Ephrata National Bank was established 143 years ago and is currently headquartered in Ephrata, PA.

Mar 17 1881
Relationships Role Relationship Start Relationship End
Enb Financial Corp Parent 7/1/2008
Hibshman Trust For Ephrata National Bank Stock, The Parent 12/8/2005 6/30/2008
Hibshman Trust For Ephrata National Bank Stock, The Parent 4/27/2001 12/7/2005
Hibshman Trust For Ephrata National Bank Stock, The Parent 12/31/1984 4/26/2001
First Seneca Bank Parent 6/1/1982 5/4/1988
Hibshman Trust For Ephrata National Bank Stock, The Parent 12/31/1983 12/30/1984
Hibshman Trust For Ephrata National Bank Stock, The Parent 12/31/1970 12/30/1983
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