ENB Financial Corp (OTC: ENBP)

ENB Financial Corp is a bank holding company that provides a broad range of financial services to individuals and small-to-medium-sized businesses primarily through its wholly owned subsidiary, Ephrata National Bank. The Corporation’s core operations involve gathering deposits from the public to fund loan origination and offering related banking products and services. It operates predominantly in Lancaster County, southeastern Lebanon County, and southwestern Berks County, Pennsylvania, with an expanded market area including Cecil County, Maryland following the acquisition of Cecil Bancorp, Inc. effective February 1, 2026.

ENB Financial Corp generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees on deposit accounts, electronic funds transfer, debit and credit card services, and wealth management offerings. The Bank provides demand, savings, and time deposits, along with secured and unsecured commercial, real estate, and consumer loans. Ancillary services include direct deposit, ATM access, telephone and internet banking, bill pay, wire transfer, remote deposit capture, and the ENB Bank on the Go! mobile app for iPhone and Android devices. Trust and investment advisory services are delivered through ENB’s Wealth Solutions division, contributing to diversified revenue streams.

The company operates through the following segments: Community Banking.

• Community Banking: This segment encompasses all financial service operations conducted through Ephrata National Bank, including retail and commercial banking, lending, deposit gathering, and ancillary financial products. The segment delivers services via twelve full-service offices in Lancaster County, one in Lebanon County, one in Berks County, and four community banking offices in Cecil County, Maryland acquired through the Cecil Bancorp transaction. Core offerings include demand accounts, savings and time deposits, commercial and consumer loans, real estate financing, and electronic banking channels.

• Community Banking: The segment also provides trust and investment advisory services under the ENB Wealth Solutions brand, supporting client wealth management and investment advisory needs. Electronic service platforms include the ENB Bank on the Go! mobile application, which enables remote deposit capture, bill pay, and wire transfer capabilities for iPhone and Android users. Debit card services are offered via MasterCard® debit cards, while credit card processing includes Visa® and MasterCard options, enhancing customer transaction convenience.

• Community Banking: Additional services within this segment consist of safe deposit box facilities, direct deposit, and direct payment processing through Electronic Funds Transfer systems. The segment serves both personal and commercial clients across the Corporation’s Market Area, emphasizing relationship-based banking and local community engagement. All operations are conducted under the regulatory oversight of the OCC, Federal Reserve Board, and FDIC, ensuring compliance with federal banking standards.

ENB Financial Corp holds a strong competitive position in its core markets, ranking first in deposit market share in the Ephrata area with 45.7% as of June 30, 2025, and third in Lancaster County overall with 10.0% of total deposits. The Corporation competes with other commercial banks, savings and loan institutions, credit unions, consumer finance companies, and mutual fund providers for deposits and loans. Its competitive advantages stem from a combination of low fees, quality service, competitive interest rates, convenient branch locations and hours, and a reputation for reliable customer relationships within its community-focused footprint.

ENB Financial Corp serves individuals and small-to-medium-sized businesses across its Market Area in Pennsylvania and Maryland. The customer base includes retail consumers, local entrepreneurs, professionals, and commercial enterprises requiring banking, lending, and wealth management services. Specific customer segments supported through ENB Wealth Solutions include individuals seeking investment advisory, retirement planning, and trust services, while business clients benefit from commercial lending, treasury management, and deposit solutions tailored to operational needs.