The Ephrata National Bank

Headquarters: Ephrata, Pennsylvania
Charter: Bank
Assets: $2.4B
Fed district: Philadelphia
Regulator: OCC
Holding company: Hibshman Tr Ephrata Nb Stk

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for The Ephrata National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Ephrata National Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Ephrata National Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $712K in Q2 2026, 43% below the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking
Can be waived with a balance of $1,000 or more.
The Ephrata National Bank: $15
The Ephrata National Bank: $15
U.S. median: no median
Overdraft (OD)
The Ephrata National Bank: $37
The Ephrata National Bank: $37
U.S. median: no median
NSF / Returned Item
The Ephrata National Bank: $37
The Ephrata National Bank: $37
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 47% from Q3 2025 to Q2 2026, to $712K.

Service-charge income, Q2 2026

$712K

$1.3MQ3 2025

$1.1MQ4 2025

$674KQ1 2026

$712KQ2 2026

Against the median

The Ephrata National BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Ephrata National Bank · $2.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$2.3B to $2.5B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Ephrata National Bank(this institution)	Ephrata, PA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Anderson Brothers Bank	Mullins, SC	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Iowa	West Des Moines, IA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cashmere Valley Bank	Cashmere, WA	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Coastal States Bank	Hilton Head Island, SC	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cogent Bank	Orlando, FL	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Harrogate, TN	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crews Bank & Trust	Wauchula, FL	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
El Dorado Savings Bank, F.S.B.	Placerville, CA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Trust Company of Chambersburg	Chambersburg, PA	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank of the Lake	Osage Beach, MO	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First County Bank	Stamford, CT	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First United Bank	Dimmitt, TX	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank	Springfield, MO	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intercredit Bank, National Association	Coral Gables, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
John Marshall Bank	Reston, VA	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Luana Savings Bank	Luana, IA	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Omb Bank	Springfield, MO	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Bank, National Association	Albany, NY	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
QNB Bank	Quakertown, PA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security First Bank	Lincoln, NE	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas First Bank	Texas City, TX	$2.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Commerce	Ammon, ID	$2.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Traditional Bank, Inc.	Mount Sterling, KY	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $6.75 (82%) above the median of similar-sized banks.

Its published price is $15, against a peer median of $8.25 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Ephrata National BankPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Ephrata National Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $712K
vs prior quarter: +$38K+5.6%; from Q1 2026
vs a year earlier: −$542K−43.2%; from Q2 2025
vs start of range: −$2.4M−77.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Ephrata National Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$712K	+$38K	+5.6%
Q1 2026	$674K	−$425K	−38.7%
Q4 2025	$1.1M	−$250K	−18.5%
Q3 2025	$1.3M	+$95K	+7.6%
Q2 2025	$1.3M	+$25K	+2.0%
Q1 2025	$1.2M	−$183K	−13.0%
Q4 2024	$1.4M	−$1.7M	−54.6%
Q3 2024	$3.1M	+$2.7M	+608.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Ephrata National Bank’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service charge (audience not stated, treated as personal)$15
per month
Closed Account Fee$25
Dormant Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft$37
per item
Insufficient Funds$37
per item

ATM & Card

Non-Network ATM Withdrawal$3.50
per transaction
ATM/Debit Card Replacement$10
per item
International ATM/Debit Card Transaction$2

Check Services

Cashier’s Checks$12
per item
ACH Stop Payment$37
per item
Stop Payment$37
per item
Counter Checks$4
Not compared: Charged per page; comparison unavailable
per page
Check Cashing$10
per item
Canadian Check Processing Fee$15
per item

Cash & Deposit

Deposited Item Returned$15
per item

Account Services

Drilling Fee$300
Not compared: Box drilling or key fee
Lost Key Replacement Fee$25
Not compared: Box drilling or key fee
Domestic Relations Levy$250
per item
Tax Levy$250
per item
Writ of Execution/Garnishment$250
per item

Lending Fees

Late Fee$10
per item

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Statement Reprint$5

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Closed Account Fee	$25	Not stated	None
Dormant Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft	$37	per item	None
Insufficient Funds	$37	per item	None
ATM & Card
Non-Network ATM Withdrawal	$3.50	per transaction	None
ATM/Debit Card Replacement	$10	per item	None
International ATM/Debit Card Transaction	$2	Not stated	None
Check Services
Cashier’s Checks	$12	per item	None
ACH Stop Payment	$37	per item	None
Stop Payment	$37	per item	None
Counter Checks	$4Not compared: Charged per page; comparison unavailable	per page	None
Check Cashing	$10	per item	None
Canadian Check Processing Fee	$15	per item	None
Cash & Deposit
Deposited Item Returned	$15	per item	None
Account Services
Drilling Fee	$300Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement Fee	$25Not compared: Box drilling or key fee	Not stated	None
Domestic Relations Levy	$250	per item	None
Tax Levy	$250	per item	None
Writ of Execution/Garnishment	$250	per item	None
Lending Fees
Late Fee	$10	per item	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Other Fees
Statement Reprint	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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