Bank · FDIC insured
Ephrata National Bank
A $2.4B bank headquartered in Ephrata, PA, with 20 branches in 2 states. Best rates: CDs 1.26% and savings 3.39% APY.
Ephrata National Bank Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#23 of 28 in Lancaster, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Ephrata National Bank
Founded in 1881 by local Lancaster County neighbors, Ephrata National Bank operates its corporate headquarters in Ephrata, Pennsylvania.
The bank, an entity of ENB Financial Corp., maintains community banking offices across Pennsylvania's Lancaster, Lebanon, and Berks counties, as well as Maryland's Cecil County.
- Headquarters
- 31 E Main St, Ephrata, PA 17522
- FDIC certificate
- 7493 ↗
Branches
20 branches in 2 states
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Pennsylvania
16 branches
Lancaster area · 14
- The Ephrata National BankMain office31 E Main St, Ephrata, PA 17522Directions
- Akron Office Branch351 S 7th St, Akron, PA 17501Directions
- Denver Branch1 Main St, Denver, PA 17517Directions
- Blue Ball Branch110 Marble Ave, East Earl, PA 17519Directions
- Cloister Branch809 Martin Ave, Ephrata, PA 17522Directions
- Main Office Drive-In Branch42 E Main St, Ephrata, PA 17522Directions
- Leola Branch361 W Main St, Leola, PA 17540Directions
- Kissel Hill Branch3190 Lititz Pike, Lititz, PA 17543Directions
- Lititz Branch1 E Main St, Lititz, PA 17543Directions
- Manheim Branch1 N Penryn Rd, Manheim, PA 17545Directions
- Hinkletown Branch935 N Railroad Ave, New Holland, PA 17557Directions
- Ephrata National Bank Quarryville Branch101 E State St, Quarryville, PA 17566Directions
- Georgetown Branch1298 Georgetown Rd, Quarryville, PA 17566Directions
- Strasburg Branch60 Historic Drive, Strasburg, PA 17579Directions
Reading area · 1
- Morgantown Branch6296 Morgantown Road, Morgantown, PA 19543Directions
Lebanon area · 1
- Myerstown Branch615 E Lincoln Ave, Myerstown, PA 17067Directions
Maryland
4 branches
- Cecil Bank Branch127 North St, Elkton, MD 21921Directions
- Fair Hill Branch4434 Telegraph Rd, Elkton, MD 21921Directions
- 108 North East Plaza Branch108 North East Plz, North East, MD 21901Directions
- Rising Sun Towne Centre Branch56 Rising Sun Town Ctr, Rising Sun, MD 21911Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.63% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.54% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.01% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio9.63%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Ephrata National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.