Here are the 10-K annual reports from ENB Financial Corp PA (ENBP) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow ENBP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ENBP filings page.
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.