SBA lender profile
The Ephrata National Bank
The Ephrata National Bank appears in the public SBA loan data with 5 funded 7(a) loans totaling $3.6M, an average of $726K per loan, and an estimated 88 jobs supported. Its SBA lending concentrates in Pennsylvania and the Construction sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
5
Total volume
$3.6M
Average loan size
$726K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
88
Programs
7(a)
Bank profile
via FDIC- Total assets
- $2.4B
- Headquarters
- Ephrata, PA
- FDIC cert
- #7493
- Status
- Active
Where The Ephrata National Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Pennsylvania | 4 | $3.6M |
| Maryland | 1 | $68K |
What The Ephrata National Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 1 | $2.5M |
| Retail Trade | 1 | $585K |
| Accommodation and Food Services | 1 | $350K |
| Arts, Entertainment, Recreation | 1 | $106K |
| Professional and Technical Services | 1 | $68K |
The Ephrata National Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2021 | 1 | $106K |
| 2022 | 1 | $585K |
| 2023 | 1 | $350K |
| 2024 | 1 | $2.5M |
| 2025 | 1 | $68K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of The Ephrata National Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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