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ENBP on OTC

ENB Financial Corp

ENB Financial Corp is an American national commercial bank based in Ephrata, listed on OTC (ENBP).1

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Last updated Oct 21, 2026.

Overview

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  • TickerENBP on OTC1
  • IndustryNational Commercial Banks1
  • HeadquartersEphrata, Pennsylvania1
  • Incorporated inPA2
  • Business address31 E Main Street, Po Box 457, Ephrata, Pa 17522-04572
  • Filer categoryNon-accelerated filer, Smaller reporting company2
  • Legal formCorporation

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Cecil Bank, a Maryland state-chartered bank, merged with and into the Bank with the Bank as the survivor, collectively the acquisition.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456789$21.6M in 2025+89% since 2019
0$10.0M$20.0M$30.0M2019: $11.4M$11.4M20192020: $12.3M$12.3M2020+8%2021: $14.9M$14.9M2021+21%2022: $14.6M$14.6M2022−2%2023: $12.4M$12.4M2023−15%2024: $15.3M$15.3M2024+24%2025: $21.6M$21.6M2025+41%

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
Interest and fees on loans$81.2M$73.1M
Taxable$19.9M$13.5M
Tax-exempt$2.6M$2.8M
Interest on deposits at other banks$983.0K$2.2M
Dividend income$1.4M$1.3M
Total interest and dividend income$106.1M$92.9M
Interest on deposits$29.8M$30.4M
Interest on borrowings$7.6M$5.7M
Total interest expense$37.4M$36.1M
Net interest income$68.7M$56.7M
Provision for credit losses$887.0K$1.0M
Net interest income after provision for credit losses$67.8M$55.7M
Trust and investment services income$3.6M$3.7M
Service fees$5.7M$5.9M
Commissions$4.1M$4.1M
Losses on sale of debt securities, net-$312.0K-$97.0K
Gains on equity securities, net$106.0K$256.0K
Gains on sale of mortgages$1.9M$1.8M
Earnings on bank owned life insurance$1.1M$1.3M
Other income$1.8M$1.3M
Total other income$18.0M$18.1M
Salaries and employee benefits$34.7M$34.0M
Occupancy$3.6M$3.3M
Equipment$1.6M$1.3M
Advertising & marketing$1.4M$1.2M
Computer software & data processing$7.3M$6.3M
Shares tax$1.5M$1.4M
Professional services$3.4M$3.3M
Merger related expenses$698.0K
Other expenses$4.8M$4.5M
Total operating expenses$59.1M$55.2M
Income before income taxes$26.7M$18.6M
Provision for income taxes$5.2M$3.3M
Net income$21.6M$15.3M
Basic earnings per share (in Dollars per share)$3.80$2.71
Diluted earnings per share (in Dollars per share)$3.80$2.71
Dividends per share (in Dollars per share)$0.72$0.69

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Corporate structure

ENB Financial Corp sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of ENB Financial Corp

  • ENB Financial Corp Ephrata, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What ENB Financial Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$59.1M9 Dec 31, 2025$53.2M9 Dec 31, 2024+11.1%
Accumulated depreciation$27.1M9 Dec 31, 2025$25.3M9 Dec 31, 2024+7.2%
Property and equipment, net$32.0M9 Dec 31, 2025$27.9M9 Dec 31, 2024+14.7%
Operating-lease assets (leased space)$2.5M9 Dec 31, 2025$2.3M9 Dec 31, 2024+4.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$60.6M9 Dec 31, 2025$68.9M9 Dec 31, 2024−12.1%
Debt securities available for sale$579.5M9 Dec 31, 2025$616.4M9 Dec 31, 2024−6.0%
Deposits held (banks)$1.9B9 Dec 31, 2025$1.9B9 Dec 31, 2024−0.9%

Properties, in its own words

As of December 31, 2025, ENB Financial Corp and Ephrata National Bank owned and leased buildings in the normal course of business. The headquarters of ENB Financial Corp and main office of Ephrata National Bank is at 31 East Main Street, Ephrata, Pennsylvania. As of December 31, 2025, the Bank owned twenty (20) properties and leased seven (7) properties. These properties are adequate for their intended and present utilization.

For more information concerning the amounts recorded for premises and equipment and commitments under current leasing agreements, see Notes D and Q of the Notes to Consolidated Financial Statements included in Item 8. “Financial Statements and Supplementary Data” of this report on Form 10-K.

Item 2 of the 10-K filed Mar 20, 2026.3

Leadership

Who has led ENB Financial Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Aaron L. Groff Jr.2009–2020

Chair

  1. Aaron L. Groff Jr.2010–2020

President

  1. Aaron L. Groff Jr.2009–2020
  2. James B. Dull2011

Chief financial officer

  1. Scott E. Lied2009–2021
  2. Rachel G. Bitner2023–2025
  3. Douglas P. Barton2025–now

Chief operating officer

  1. Barry E. Miller2014–2020
  2. Matthew T. Long2019–2023
  3. Joselyn D. Strohm2023–now
2010201520202025
Board members and other officers (31)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • CEO, and Chairman of the BoardJeffrey Stauffer named Jul 25, 2022 to Dec 22, 202550
  • EVP, Chief Human Resource OfficerCindy S Hoffman named Jul 25, 202251

Timeline

  1. Sep 21, 20268-K Executive or director change52
  2. Jul 27, 20268-K Results of operations53
  3. Jul 16, 20268-K Other events54
  4. May 6, 20268-K Shareholder vote; Regulation FD disclosure55
  5. Apr 27, 20268-K Results of operations56
  6. Apr 17, 20268-K Financial statements and exhibits57
  7. Apr 16, 20268-K Other events58
  8. Feb 2, 20268-K Results of operations; Regulation FD disclosure59
  9. Jan 22, 20268-K Other events60
  10. Jan 22, 20268-K Results of operations61
  11. Jan 12, 20268-K Other events62
  12. Dec 23, 20258-K Other events63
  13. Feb 5, 2009New chief executive Aaron L. Groff Jr. becomes CEO12

Calendar

Coming up

  1. Around Oct 26, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results53
  2. Apr 27, 2026Reported quarterly or annual results56
  3. Feb 2, 2026Reported quarterly or annual results59
  4. Jan 22, 2026Reported quarterly or annual results61
  5. Oct 20, 2025Reported quarterly or annual results64
  6. Jul 21, 2025Reported quarterly or annual results65
  7. Apr 17, 2025Reported quarterly or annual results66
  8. Jan 22, 2025Reported quarterly or annual results67

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

286 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 67 major events, 187 insider forms, 1 large holders, 2 private raises, 9 other. The latest 20:

  1. Sep 21, 20268-K EDGAR
  2. Aug 14, 202610-Q EDGAR
  3. Aug 7, 20264 PRIMARY DOCUMENT EDGAR
  4. Jul 27, 20268-K EDGAR
  5. Jul 16, 20268-K EDGAR
  6. Jun 22, 20264 PRIMARY DOCUMENT EDGAR
  7. May 15, 202610-Q EDGAR
  8. May 6, 20268-K EDGAR
  9. Apr 27, 20268-K EDGAR
  10. Apr 17, 20268-K/A EDGAR
  11. Apr 16, 20268-K EDGAR
  12. Apr 2, 2026ARS EDGAR
  13. Apr 2, 2026DEF 14A EDGAR
  14. Mar 20, 202610-K EDGAR
  15. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  16. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  17. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  18. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  19. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  20. Feb 9, 20265 PRIMARY DOCUMENT EDGAR

The 286 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

45 open-market trades by officers, directors and large owners since October 2021: 41 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 6, 2026Zimmerman Roger LDirectorBuy500$29.48$14.7KForm 4
Dec 23, 2025Cake Cindy L.Chief Human Resources OfficerSale1,646$22.79$37.5KForm 4
Nov 14, 2025Zimmerman Roger LDirectorBuy400$22.32$8.9KForm 4
Oct 30, 2025Klein Nicholas DChief Risk OfficerSale348$22.45$7.8KForm 4
Jan 31, 2025Klein Nicholas DChief Risk OfficerSale500$17.54$8.8KForm 4
Aug 22, 2024Cake Cindy L.Chief Human Resources OfficerSale416$16.77$7.0KForm 4
Jun 14, 2024Stauffer JeffreyChairman, President, and CEOBuy200$14.97$3.0KForm 4
Apr 26, 2024Neiss Chad EChief Strategy OfficerBuy1,900$14.98$28.5KForm 4
Apr 22, 2024Zimmerman Roger LDirectorBuy1,554$14.84$23.1KForm 4
Mar 15, 2024Stauffer JeffreyChairman, President, and CEOBuy232$14.85$3.4KForm 4
Jan 24, 2024Stauffer JeffreyChairman, President, and CEOBuy176$14.93$2.6KForm 4
Jan 23, 2024Stauffer JeffreyChairman, President, and CEOBuy100$14.75$1.5KForm 4
Nov 8, 2023Stauffer JeffreyChairman, President, and CEOBuy200$13.67$2.7KForm 4
Oct 26, 2023Neiss Chad EChief Strategy OfficerBuy500$13.05$6.5KForm 4
Sep 25, 2023Bitner Rachel GChief Financial OfficerBuy400$12.98$5.2KForm 4
Sep 19, 2023Stauffer JeffreyChairman, President, and CEOBuy100$13.00$1.3KForm 4
Aug 23, 2023Stauffer JeffreyChairman, President, and CEOBuy100$13.50$1.4KForm 4
Aug 2, 2023Stauffer JeffreyChairman, President, and CEOBuy131$14.50$1.9KForm 4
Aug 1, 2023Stauffer JeffreyChairman, President, and CEOBuy100$14.41$1.4KForm 4
Jul 26, 2023Neiss Chad EChief Strategy OfficerBuy500$14.19$7.1KForm 4

All 45 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jeffrey S. Stauffer64$599.3K69
2025Rachel G. Bitner47$355.1K69
2025Joselyn D. StrohmSenior Executive Vice President42$328.4K69
2025William J. KitschIV$312.7K69
2024Chairman of the BoardPresident and CEO$584.1K69
2024Former Senior Executive VicePresident$387.4K69
2024Chief Operating Officer$343.4K69

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$62.5M 2022–2025
Money received by yearMoney received by year, 2022–2025: $62.5M in all. Private raises (Form D) $62.5M.$0$20M$40M$60M2022 · Private raises (Form D): $20.0M2022202320242025 · Private raises (Form D): $42.5M2025
Figures by year
YearPrivate raises (Form D)Total
2025$42.5M$42.5M
2022$20.0M$20.0M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Dec 17, 2025Raised $42.5 million in a private offering of debt50 Form D: 42 investors so far Form D
  2. Jul 22, 2022Raised $20 million in a private offering of debt51 Form D: 22 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
KERR FINANCIAL PLANNING Corp5,000$141.2K0.2%No change
Comprehensive Financial Planning, Inc./PA1,878$51.7K0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 23, 2026Lloyd SmuckerRepublican, HouseSale$1,001 - $15,000−10.1%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How ENB Financial Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARENB Financial Corp1
  • CIK0001437479
  • Employer ID (EIN)51-06611293
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inPennsylvania3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address31 E Main Street, Po Box 457, Ephrata, PA 17522-04571
  • Phone717-733-41811
  • Shares outstanding5,714,719 as of Aug 1, 202611
  • Public float$53.0M as of Jun 30, 20253
  • AuditorS.R. Snodgrass, P.C., Conshohocken, Pennsylvania PCAOB ID 74; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceJul 1, 20081
  • Filings780 in all: 5 (220), 8-K (212), 4 (203), 10-Q (55), 3 (21), 10-K (18), DEF 14A (18), ARS (6)1
    All 22 form types

    S-8 (6), 8-K/A (4), D (3), DEFA14A (2), PRE 14A (2), SC 13D (2), 10-K/A (1), 10-Q/A (1), 3/A (1), 8-K12G3 (1), S-3D (1), S-8 POS (1), SC 13D/A (1), SC 13G (1)

  • Latest filingsAnnual report (10-K) Mar 20, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Apr 2, 2026
    Latest 8-K (8-K) Sep 21, 2026

Risk factors and legal proceedings

The risks ENB Financial Corp names in Item 1A of its 10-K filed Mar 20, 2026: 35 risks under these headings, as written.3

  • Risks Related to Interest Rates and Investments
  • The Corporation Is Subject to Interest Rate Risk
  • If The Corporation Concludes That the Decline in Value of Any of Its Debt Securities Is Credit Related, The Corporation is Required to Write Down the Value of That Security Through a Charge to Earnings
  • Risks Related to Credit
  • The Corporation Is Subject to Lending Risk
  • The Corporation is subject to commercial real estate volatility that may result in increases in non-performing loans that could have an adverse impact on our financial condition and results of operations.
  • The Corporation’s Allowance for Credit Losses May Be Insufficient to Cover Actual Losses
  • The Corporation Is Subject to Environmental Liability Risk Associated with Lending Activities
  • Risks Related to Competition and Business Strategy
  • The Corporation Operates in A Highly Competitive Industry and Market Area
  • The Earnings of Financial Services Companies Are Significantly Affected by General Business and Economic Conditions
  • Future Credit Downgrades of The United States Government Due To Issues Relating to Debt and the Deficit May Adversely Affect the Corporation
The other 28 risks
  • The Corporation’s Profitability Depends Significantly on Economic Conditions in the Commonwealth of Pennsylvania and Its Market Area
  • New Lines of Business or New Products and Services May Subject the Corporation to Additional Risks
  • The Corporation’s Controls and Procedures May Fail or Be Circumvented
  • The Corporation May Not Be Able to Attract and Retain Skilled People
  • The Corporation’s Communications, Information and Technology Systems May Experience an Interruption or Breach in Security
  • The Corporation Continually Encounters Technological Change
  • The Corporation’s Operations of Its Business, Including Its Interaction with Customers, Are Increasingly Done Via Electronic Means, and this Has Increased Its Risks Related to Cyber Security
  • The Corporation Uses Artificial Intelligence (AI) In Its Business, And Challenges with Properly Managing Its Use Could Result in Disruption of the Corporation’s Internal Operations, Reputational Harm, Competitive Harm, Legal Liability and Adversely Affect Our Results of Operations and Stock Price.
  • The Increasing Use of Social Media Platforms Presents Risks and Challenges and Our Inability or Failure to Recognize, Respond to and Effectively Manage the Accelerated Impact of Social Media Could Materially Adversely Impact Our Business
  • The Corporation Is Subject to Claims and Litigation Pertaining to Fiduciary Responsibility
  • Financial Services Companies Depend on the Accuracy and Completeness of Information About Customers and Counterparties
  • Consumers May Decide Not to Use Banks to Complete Their Financial Transactions
  • A Change in Control of the United States Government and Issues Relating to Debt and the Deficit May Adversely Affect the Corporation
  • Negative Developments Affecting the Banking Industry, Including Bank Failures or Concerns Regarding Liquidity, Have Eroded Customer Confidence in the Banking System and May Have a Material Adverse Effect on the Corporation
  • Natural Disasters, Acts of War or Terrorism, Domestic and International Instability, Pandemics, and Other External Events Could Significantly Impact the Corporation’s Business
  • Changes to trade policies and tariffs can have an adverse impact on the Corporation’s business and its customers
  • Risks Related to Regulatory Compliance and Legal Matters
  • The Basel III Capital Requirements or Other Regulatory Standards May Require Us to Maintain Higher Levels of Capital, Which Could Reduce Our Profitability
  • The Corporation is Subject to Extensive Government Regulation and Supervision
  • Future Governmental Regulation and Legislation Could Limit the Corporation’s Future Growth
  • The Corporation’s Banking Subsidiary May Be Required to Pay Higher FDIC Insurance Premiums or Special Assessments Which May Adversely Affect Its Earnings
  • Risks Related to Mergers and Acquisitions
  • Growing by acquisition involves risks
  • Goodwill incurred in the acquisition of Cecil may negatively affect our financial condition
  • We may be unable to successfully integrate Cecil’s operations
  • Unanticipated costs relating to the acquisition could reduce our future earnings per share
  • The market price of our common stock after the acquisition may be affected by factors different from those affecting our shares currently
  • Risks Associated with the Corporation’s Common Stock
  • The Corporation’s Stock Price Can Be Volatile
  • The Trading Volume in The Corporation’s Common Stock Is Less Than That of Other Larger Financial Services Companies
  • The Corporation’s Ability to Pay Dividends Depends on Earnings and is Subject to Regulatory Limits
  • The Corporation May Need to Or Be Required to Raise Additional Capital in the Future, And Capital May Not Be Available When Needed and on Terms Favorable to Current Shareholders
  • The Corporation’s Articles of Incorporation and Bylaws, As Well As Certain Banking Laws, May Have an Anti-Takeover Effect

Legal proceedings

The nature of the Corporation’s business generates a certain amount of litigation involving matters arising in the ordinary course of business; however, in the opinion of management, there are no material proceedings pending to which the Corporation is a party to, or which would be material in relation to the Corporation’s financial condition. There are no proceedings pending other than ordinary routine litigation incident to the business of the Corporation. In addition, no material proceedings are pending, known to be threatened, or contemplated against the Corporation by governmental authorities.

The opening of Item 3, Legal Proceedings.3

Sources

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