ENB Financial Corp filings document the regulatory record of a Pennsylvania bank holding company for Ephrata National Bank. Its Form 8-K reports cover operating results and financial condition, quarterly cash dividend declarations, material events, exhibits and Inline XBRL cover-page data.
The company’s filings also include proxy and shareholder-governance disclosures, including director elections, auditor ratification and executive compensation information. Acquisition-related filings document completed bank holding company transaction matters, acquired-business financial statements, pro forma financial information, material agreements, shareholder voting matters, capital-structure disclosure and related governance subjects.
ENB Financial Corp reported Q1 2026 results with stable profitability while integrating its Cecil Bancorp acquisition. Net income was $4,024 thousand versus $4,316 thousand a year earlier, and basic and diluted EPS were $0.71 compared with $0.76.
Total assets rose to $2,424,338 thousand as of March 31, 2026, driven by loan growth to $1,647,855 thousand and securities of $564,075 thousand. Deposits increased to $2,066,348 thousand. The Cecil transaction, valued at $31,329 thousand, added net loans of $145,402 thousand, a core deposit intangible of $2,746 thousand and goodwill of $6,712 thousand.
Credit quality remained controlled: nonperforming loans were $13,823 thousand and the allowance for credit losses increased to $18,981 thousand. Operating expenses rose to $18,284 thousand, including $2,157 thousand of merger and conversion related expenses, while net interest income improved to $18,929 thousand.
ENB Financial Corp reported 2026 annual meeting results and highlighted strong recent performance. Shareholders elected three Class C directors and ratified S.R. Snodgrass, P.C. as auditor with 4,437,667 votes for and 27,395 against. Management presented record 2025 net income of $21.6m, up 40.8%, with return on average equity of 15.17% and diluted EPS of $3.80. Total assets reached $2.26B at year-end 2025 and deposits were $1.87B. The company also closed its first acquisition, buying Cecil Bancorp, Inc. and Cecil Bank on February 1, 2026. For Q1 2026, net income was $4.0m GAAP and $5.9m on a non-GAAP basis, with adjusted diluted EPS of $1.03.
ENB Financial Corp reported first quarter 2026 net income of $4.024M, a 6.8% decrease from $4.316M a year earlier, with EPS of $0.71 versus $0.76.
Results were heavily influenced by the February 1 acquisition of Cecil Bancorp. The deal added net assets of $24.617M, including loans of $147.4M and deposits of $186.384M. Merger and conversion-related expenses totaled $1.866M after tax; excluding these, adjusted net income was $5.89M and adjusted EPS was $1.03.
Net interest income rose 12.8% to $18.929M, as loan interest income increased 16.0%. Total operating expenses climbed 27.7%, reflecting added branches, dual systems, and merger costs. ROA slipped to 0.70% and ROE to 9.92%. As of March 31, 2026, total assets were $2.424B, loans $1.648B, deposits $2.066B, and equity $163.4M.
ENB Financial Corp filed an amendment to its current report to add required financial information for its acquisition of Cecil Bancorp, Inc., which closed effective February 1, 2026. The amendment supplies Cecil’s audited 2023–2024 statements and unaudited pro forma financials for ENB.
Cecil is a community bank operating in Maryland with $223.5 million in total assets and $190.9 million in deposits as of December 31, 2024. Loans totaled $168.5 million and stockholders’ equity $28.6 million. Cecil earned $190 thousand of net income in 2024, down from $591 thousand in 2023, as higher interest expense and a $806 thousand fraud loss offset $11.9 million of interest income and a $778 thousand insurance recovery. Comprehensive income was $112 thousand in 2024.
ENB Financial Corp declared a $0.18 per share second quarter cash dividend on April 15, 2026. The dividend matches the amount paid in the first quarter of 2026, indicating a continuation of the company’s recent payout level. Shareholders of record on May 15, 2026 will receive the dividend, which is payable on June 15, 2026. Each shareholder will receive $0.18 for every share of ENB Financial Corp common stock owned as of the record date.
ENB Financial Corp calls its Annual Meeting of Shareholders for May 5, 2026 in Ephrata, Pennsylvania, with shareholders of record on March 10, 2026 entitled to vote. Investors will elect three Class C directors and vote on ratifying S.R. Snodgrass, P.C. as independent auditor for 2026.
The Board consists of 12 directors, 10 of whom are independent, and operates through audit, compensation, nominating and governance, building and expansion, and trust operations committees. The company describes an enterprise risk management program, insider trading and anti‑hedging policies, and a classified board structure with an age‑70 retirement limit.
Executive pay is built around salary plus annual incentives. In 2025, the Chairman, President and CEO received total compensation of $599,337, while the firm accrued $1,880,000 and paid $1,884,000 in Annual and Sales Incentive Plan awards in February 2026. Pay-versus-performance disclosure shows net income rising to $21,559,000 in 2025 and total shareholder return improving over the 2023–2025 period.
ENB Financial Corp, a Pennsylvania community bank holding company, files its annual report describing a traditional community banking model centered on Ephrata and surrounding counties, with deposits funding a mix of commercial, real estate, consumer lending, and wealth and insurance services.
Effective February 1, 2026, the company completed the cash acquisition of Cecil Bancorp for approximately $31.3 million, adding four Maryland branches and a balance sheet that included $218,663,000 in assets and $187,422,000 in deposits as of December 31, 2025. Management expects modest hiring to support this expansion.
The report highlights strong local positioning, including 45.7% deposit share in the Ephrata area and 10.0% share in Lancaster County as of June 30, 2025, but also details extensive risk factors. These include interest-rate sensitivity, credit risk in a commercial- and real estate–oriented loan book where 26.0% of loans are business credits, regulatory and compliance burdens, cybersecurity threats, competition from larger and digital institutions, and integration and goodwill risks tied to the Cecil acquisition.
ENB Financial Corp completed its previously announced acquisition of Cecil Bancorp, Inc. on February 1, 2026. ENB acquired Cecil through a merger of ENB South Acquisition Subsidiary into Cecil, making Cecil a wholly owned subsidiary, followed by Cecil’s liquidation and dissolution.
Immediately after this step, Cecil Bank merged into The Ephrata National Bank, ENB’s existing bank subsidiary, with Ephrata as the surviving bank. Each outstanding share of Cecil common stock was converted into the right to receive $1.88 in cash, and all outstanding, unexercised Cecil stock options were redeemed for cash. ENB issued an aggregate of approximately $31.3 million in cash in the merger.
ENB Financial Corp filed a current report to alert investors that it has released its earnings results for the fourth quarter of 2025. The company issued a press release on January 21, 2026, which is attached to the filing as Exhibit 99 and incorporated by reference. This press release contains the detailed financial and operating results for the period, while the report itself mainly serves as a formal notification of the earnings release.