PA lenders / Community Bank
The Ephrata National Bank
Community Bank · Ephrata, PA · Hibshman Tr Ephrata Nb Stk
- Total assets
- $2.4B
- CRE loan book
- $389.1M
- QoQ CRE growth
- 0.5%
- Q1 2026
Recorded CRE activity — pa-berks County
2 commercial deeds of trust recorded recently, verified from county records.
- Aug 20, 2026 · unknownundisclosed
- Jul 31, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.45% as of Q1 2026 — TX bank median 4.87% (0.59pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.45% | 5.65% |
| Q4 2025 | 5.63% | 5.67% |
| Q3 2025 | 5.55% | 5.61% |
| Q2 2025 | 5.41% | 5.49% |
| Q1 2025 | 5.27% | 5.36% |
| Q4 2024 | 5.27% | 5.39% |
| Q3 2024 | 5.22% | 5.33% |
| Q2 2024 | 5.07% | 5.19% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $389.1M | $69.0M | $72.4M | 99% | $6.7M |
| Q4 2025 | $387.3M | $82.8M | $69.9M | 99% | $4.1M |
| Q3 2025 | $370.6M | $110.4M | $42.4M | 101% | $4.3M |
| Q2 2025 | $369.8M | $107.1M | $40.0M | 101% | $4.4M |
| Q1 2025 | $365.3M | $103.4M | $38.4M | 100% | $4.0M |
| Q4 2024 | $362.2M | $101.1M | $38.4M | 98% | $4.7M |
| Q3 2024 | $370.0M | $103.5M | $39.3M | 100% | $3.5M |
| Q2 2024 | $342.7M | $88.4M | $27.5M | 89% | $403,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Texas Heritage National BankCommunity Bank · Daingerfield · $389.7M CRE book
- The First National Bank of McGregorCommunity Bank · Mc Gregor · $394.3M CRE book
- Bank CmgCommunity Bank · Madison · $395.0M CRE book
- Dallas Capital Bank, National AssociationCommunity Bank · Dallas · $396.1M CRE book
- Farmers and Merchants Union BankCommunity Bank · Columbus · $380.9M CRE book
Last updated Aug 20, 2026 · Sources: FFIEC CDR, county records, first-party conversations.