CRA Public File Information

The Community Reinvestment Act (CRA) encourages financial institutions to help meet the credit needs of the communities in which they do business, including low- and moderate-income (LMI) neighborhoods.

Ephrata National Bank’s (ENB) four unequivocal truths:
• We do what’s right
• We make it easy
• We build financial well-being
• We create community

The information below is current as of April 1 of each year. If you have any problems accessing the information below, please contact ENB Customer Support.

Public Comments received for the current year and the prior two calendar years as of April 1, 2024, are available by clicking here for our Public Comment File. Ephrata National Bank (ENB) may update this from time to time to include comments received since April 1.

Most recent CRA Performance Evaluation

Branch Locations and Hours of Operations

List of branch locations, including hours of operation, as of April 1, 2024.

List of branches opened or closed in:

Assessment Areas

ENB’s assessment area includes census tracts within four Pennsylvania counties.

View our assessment area maps

Products & Services

CRA Disclosure Statements
Ephrata National Bank’s CRA Disclosure Statements may be reviewed at the Federal Financial Institution Examination Council (FFIEC)’s CRA website. To view the Disclosure Statement, follow the link below, select the year you would like to review, and enter the Institution Name or Respondent ID as defined below.


Institution: Ephrata National Bank
Respondent ID: 0000002515

 Home Mortgage Disclosure Act (HMDA) Notice:
HMDA data regarding our residential mortgage loans is available online for review. This data shows the geographic distribution of loans and applications; income, ethnicity, race, age, and sex, of applicants and borrowers; and information about loan approvals/denials. HMDA data for many other financial institutions is also available online. For more information, please visit the Consumer Financial Protection Bureau’s website or the FFIEC’s website.

 CRA Public File Requests
If you’d like a hard copy of our CRA Public File, please contact ENB Customer Service. Please note that we may charge a fee for printing and mail expenses.