Call report 2025Q4
EPHRATA NATIONAL BANK — 2025Q4
The 22 measures EPHRATA NATIONAL BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 2,256,965,000 | USD | evidence → |
| Total loans | 1,518,333,000 | USD | evidence → |
| Allowance for loan losses | 16,886,000 | USD | evidence → |
| Securities available for sale | 579,468,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,914,564,000 | USD | evidence → |
| Interest-bearing deposits | 1,224,271,000 | USD | evidence → |
| Noninterest-bearing deposits | 690,293,000 | USD | evidence → |
| Equity capital | 198,640,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 106,057,000 | USD | evidence → |
| Interest expense | 35,298,000 | USD | evidence → |
| Net interest income | 70,759,000 | USD | evidence → |
| Noninterest income | 18,243,000 | USD | evidence → |
| Noninterest expense | 58,118,000 | USD | evidence → |
| Provision for loan losses | 856,000 | USD | evidence → |
| Pretax income | 29,685,000 | USD | evidence → |
| Income tax | 5,718,000 | USD | evidence → |
| Net income | 23,967,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 220,706,000 | USD | evidence → |
| Total capital | 238,945,000 | USD | evidence → |
| Risk-weighted assets | 1,591,182,000 | USD | evidence → |