ENB Financial Corp (ENBP) reported third-quarter 2026 net income of $6.913 million, up 16.8% from $5.919 million a year earlier. Net interest income was $22.297 million, up 22.4%; basic and diluted earnings per share were $1.21, compared with $1.04. For the nine months ended September 30, net income was $16.641 million, up 3.7%.
The company completed its acquisition of Cecil Bancorp on February 1, 2026. The acquired net assets had a fair value of $24.617 million, including $147.4 million of net loans and $186.384 million of deposits. At September 30, total assets were $2.40 billion, gross loans were $1.71 billion and deposits were $2.0 billion, respectively 7.8%, 15.1% and 5.8% above a year earlier. Operating expenses increased 22.3% in the quarter, primarily due to acquisition-related personnel, occupancy and equipment costs. Nine-month merger and conversion expenses were $3.722 million, compared with $496,000 a year earlier. Third-quarter ROA was 1.14% versus 1.06%, while ROE was 15.89% versus 16.60%.
ENB Financial Corp (ENBP) declared a fourth-quarter regular cash dividend of $0.19 per common share, a $0.01 increase from the dividend paid in the third quarter of 2026. Shareholders of record on November 13, 2026 are to receive payment on December 15, 2026.
ENB Financial Corp is the bank holding company for wholly owned Ephrata National Bank, which operates 18 full-service locations in Pennsylvania and Maryland. On October 21, 2026, the Board also approved and adopted Corporate Governance Guidelines, available in the Governance Documents section of the corporation’s website.
ENB Financial Corp (ENBP) announced that Jeffrey S. Stauffer, Chair, President and Chief Executive Officer of the company and its subsidiary The Ephrata National Bank, will retire from the Boards of Directors effective December 31, 2026, coinciding with his previously announced retirement as President and CEO on the same date.
The Boards of Directors stated that Rachel G. Bitner, President and Chief Executive Officer Elect of the company and the bank, will become Chair of the Boards effective January 1, 2027. The Boards also approved creating a new role of Lead Independent Director and appointed Joshua E. Hoffman to that position effective January 1, 2027.
ENB Financial Corp reported stable profitability for the quarter ended June 30, 2026 while integrating a significant acquisition. Quarterly net income was $5.7 million, slightly below $5.8 million a year earlier, and basic and diluted EPS were $1.00 versus $1.02. For the first six months, net income was $9.7 million compared with $10.1 million, with EPS of $1.71 versus $1.79.
Core performance strengthened: quarterly net interest income rose to $20.8 million from $17.7 million, aided by loan growth to $1.67 billion from $1.52 billion at year-end, and the company recorded a $0.5 million release of credit loss provisions for the quarter. Total assets increased to $2.39 billion, and deposits to $2.02 billion.
On February 1, 2026, ENB completed the $31.3 million cash acquisition of Cecil Bancorp, Inc., adding $211.7 million of identifiable assets and resulting in $6.7 million of goodwill and a $2.7 million core deposit intangible. Integration costs weighed on expenses: total operating expenses rose to $18.3 million from $13.9 million in the quarter, including $1.6 million in merger and conversion-related charges. Asset quality metrics remained stable with nonperforming loans of $9.0 million, and the allowance for credit losses increased to $18.5 million.
ENB Financial Corp director Roger L Zimmerman purchased 500 shares of Common Stock on 2026-08-06 at $29.48 per share in an open-market or private transaction. Following this purchase, his directly held position increased to 5,064 shares. The transaction was not reported under a Rule 10b5-1 trading plan.
ENB Financial Corp reported second quarter 2026 net income of $5,704,000, a 1.8% decline from $5,810,000 a year earlier, and six‑month net income of $9,728,000, down 3.9%. Diluted earnings per share were $1.00 for the quarter and $1.71 year‑to‑date, versus $1.02 and $1.79 in 2025.
Results reflect the February 1, 2026 acquisition of Cecil Bancorp, which added loans and deposits but generated $1,561,000 in merger and conversion-related expenses in the quarter. Excluding these non‑recurring costs, adjusted net income (non‑GAAP) was $6,944,000 and adjusted diluted EPS were $1.22 for the quarter.
Net interest income rose 17.7% year over year in the quarter on 21.9% higher loan interest, while noninterest income grew 13.4%. Operating expenses increased 31.2% as the company staffed new branches, invested in technology, and incurred integration costs. At June 30, 2026, total assets were $2.39 billion, loans $1.67 billion, deposits $2.02 billion, and tangible book value per share was $28.49.
ENB Financial Corp declared a third quarter 2026 cash dividend of $0.18 per share. The dividend is payable on September 15, 2026 to shareholders of record as of August 14, 2026, and matches the cash dividends paid for the first and second quarters of 2026.
The dividend applies to each share of ENB Financial Corp common stock owned as of the record date. ENB Financial Corp is the bank holding company for its wholly owned subsidiary Ephrata National Bank, which operates from eighteen full-service locations in Pennsylvania and Maryland.
ENB Financial Corp Chief Operating Officer Joselyn D. Strohm exercised restricted stock units into common stock as part of her equity compensation. On June 4, 2026, 479 restricted stock units vested and converted into 479 shares of common stock, representing the third and final installment of a 2023 award that vested at 33 1/3% annually. Following this vesting, Strohm directly holds 1,650.2928 shares of ENB Financial common stock. The filing shows a routine compensation-related equity vesting with no open-market stock sales.
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.