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ENB Financial Corp
31 E MAIN STREET,
PO Box 457
Phone: (717) 733-4181p:717 733-4181 EPHRATA, PA  17522-0457  United States Ticker: ENBP ENBP
Business Summary
ENB Financial Corp is a bank holding company. The Company’s subsidiary, Ephrata National Bank (the Bank), is an independent community bank. The Bank operates from over 14 full-service locations in Lancaster County, southeastern Lebanon County, and southern Berks County, Pennsylvania. It operates from over four full-service locations in Cecil County, Maryland as Cecil Bank, a division of the Bank. Its personal banking, business banking, mortgages, agricultural banking, and wealth solutions. Its personal banking includes checking, checking overdraft location, debit card, digital wallet, online and mobile banking, mobile deposit, statements, personal loans, among others. Its business banking includes loans, credit cards, small business, savings and money market, cash management, payment processing, retirement plan consulting, among others. Its wealth solutions include ENB investment services, legacy and preservation planning, foundation management, retirement plan services, among others.
(Source: 6-K)

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202512/31/2024YesYes---

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board Jeffrey S.Stauffer 63 12/17/2025 3/1/2017
President, Director, Chief Executive Officer - Elect of the Corporation and the Bank Rachel G.Bitner 47 12/17/2025 8/11/2021
Chief Financial Officer, Executive Vice President, Treasurer Douglas P.Barton 61 12/15/2025 12/15/2025
9 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
Cecil Bancorp Inc 127 North St ELKTON MD United States
Cecil Bank 127 NORTH ST ELKTON MD United States
Ephrata National Bank of Ephrata PA 31 E Main St Ephrata PA United States

Business Names
Business Name
Cecil Bancorp Inc
Cecil Bank
ENB Financial Corp.
ENBP
Ephrata National Bank
Ephrata National Bank of Ephrata PA

General Information
Number of Employees: 294 (As of 12/31/2024)
Outstanding Shares: 5,692,991 (As of 3/10/2026)
Shareholders: 806
Stock Exchange: OTC
Federal Tax Id: 510661129
Fax Number: (717) 733-7034


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Tuesday, March 24, 2026