Call reports 2026
EPHRATA NATIONAL BANK — 2026
What EPHRATA NATIONAL BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 2,423,035,000 | 2,389,971,000 |
| Total loans | 1,649,083,000 | 1,673,506,000 |
| Allowance for loan losses | 18,981,000 | 18,452,000 |
| Securities available for sale | 564,075,000 | 558,677,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 2,074,075,000 | 2,023,520,000 |
| Interest-bearing deposits | 1,374,595,000 | 1,310,129,000 |
| Noninterest-bearing deposits | 699,480,000 | 713,391,000 |
| Equity capital | 216,795,000 | 225,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 27,802,000 | 57,533,000 |
| Interest expense | 7,711,000 | 15,628,000 |
| Net interest income | 20,091,000 | 41,905,000 |
| Noninterest income | 4,347,000 | 8,394,000 |
| Noninterest expense | 17,757,000 | 35,892,000 |
| Provision for loan losses | 108,000 | -139,000 |
| Pretax income | 6,703,000 | 14,891,000 |
| Income tax | 1,357,000 | 2,946,000 |
| Net income | 5,346,000 | 11,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 225,482,000 | 232,648,000 |
| Total capital | 245,702,000 | 252,109,000 |
| Risk-weighted assets | 1,731,056,000 | 1,757,682,000 |