ENB Financial Corp

Ephrata National Bank is a full-service commercial bank organized under U.S. laws, headquartered in Ephrata, Lancaster County, Pennsylvania. The Bank was incorporated on April 11, 1881, and its deposit accounts are insured by the FDIC. The Corporation's primary business is providing financial services to individuals and small-to-medium-sized businesses in its Market Area, which includes Lancaster County, southeastern Lebanon County, and southwestern Berks County, Pennsylvania. The Bank operates twelve full-service community banking offices in Lancaster County, one in Lebanon County, and one in Berks County. It gathers funds through demand, savings, and time deposits from the public to originate secured and unsecured commercial, real estate, and consumer loans. Ancillary services include Electronic Funds Transfer, ATMs, telephone banking, MasterCard® debit cards, Visa® or MasterCard credit cards, and safe deposit box facilities. The Corporation also offers internet banking with bill pay and wire transfer capabilities, remote deposit capture, and an ENB Bank on the Go! app for iPhones or Android phones. Through ENB's Wealth Solutions, the Corporation provides trust and investment advisory services. The Bank has one subsidiary, ENB Insurance, a full-service insurance agency offering a broad range of insurance products to commercial and personal clients. Effective February 1, 2026, the Corporation completed its acquisition of Cecil Bancorp, Inc.