ENB Financial Corp (ENBP) gains stockholder and regulatory nods for Cecil Bancorp acquisition

Rhea-AI Filing Summary

ENB Financial Corp reported that it and its wholly owned subsidiary, The Ephrata National Bank, have received all required stockholder and regulatory approvals or waivers for the proposed acquisition of Cecil Bancorp, Inc. and its subsidiary, Cecil Bank. This means the necessary shareholders and oversight bodies have agreed or granted waivers so the banks can move forward toward closing the transaction, subject to any remaining conditions in the acquisition agreements.

Insights

Bank M&A and regulatory approvals analyst

ENB Financial obtained key approvals for its proposed Cecil Bancorp acquisition, clearing major regulatory and shareholder hurdles but not yet closing the deal.

ENB Financial Corp stated that it and The Ephrata National Bank have received all required stockholder and regulatory approvals or waivers for acquiring Cecil Bancorp, Inc. and Cecil Bank. In bank mergers, these approvals are central checkpoints, since banking regulators and shareholders must agree before a combination can proceed.

The language still describes the transaction as a proposed acquisition, so closing and integration steps are not described here. Actual impact will depend on when the acquisition closes and how the combined organization is managed, items not detailed in this disclosure.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

______________

Date of Report (Date of earliest event reported): January 12, 2026

ENB Financial Corp

(Exact name of Registrant as specified in its charter)

Pennsylvania		000-53297		51-0661129
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

31 E. Main St., Ephrata, PA		17522-0457
(Address of principal executive offices)		(Zip Code)

(717) 733-4181

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
None		N/A		N/A

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

CURRENT REPORT ON FORM 8-K

Item 8.01 Other Events

On January 12, 2026, ENB Financial Corp (the “Company”) announced that the Company and its wholly-owned subsidiary, The Ephrata National Bank, have received all required stockholder and regulatory approvals or waivers for the proposed acquisition of Cecil Bancorp, Inc. (“Cecil”) and Cecil’s wholly-owned subsidiary, Cecil Bank. The press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference. The information furnished pursuant to this item shall not be deemed “filed” for any purpose.

ITEM 9.01 Financial Statements and Exhibits

(d) Exhibits.

	Exhibit Number	Description
	99.1	Press Release dated January 12, 2026
	104	Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned, thereunto duly authorized.

	ENB FINANCIAL CORP
	(Registrant)
Dated: January 12, 2026	/s/ Douglas P. Barton
	Douglas P. Barton
	Executive Vice President/Chief Financial Officer and Treasurer (Principal Financial Officer)

FAQ

What did ENB Financial Corp (ENBP) announce regarding Cecil Bancorp?

ENB Financial Corp announced that it and its subsidiary, The Ephrata National Bank, have received all required stockholder and regulatory approvals or waivers for the proposed acquisition of Cecil Bancorp, Inc. and Cecil Bank.

Is ENB Financial Corps acquisition of Cecil Bancorp completed?

The disclosure refers to the transaction as a proposed acquisition. It states that required stockholder and regulatory approvals or waivers have been received, but does not state that the acquisition has been completed.

Which subsidiaries are involved in ENB Financial Corps planned acquisition of Cecil Bancorp?

The planned transaction involves ENB Financial Corps wholly owned subsidiary, The Ephrata National Bank, and Cecil Bancorp, Inc.s wholly owned subsidiary, Cecil Bank.

What type of approvals did ENB Financial Corp receive for the Cecil Bancorp deal?

ENB Financial Corp reported that it and The Ephrata National Bank have received all required stockholder and regulatory approvals or waivers for the proposed acquisition of Cecil Bancorp, Inc. and Cecil Bank.

Where can investors find more details on ENB Financial Corps proposed Cecil Bancorp acquisition?

Additional information is provided in a press release identified as Exhibit 99.1, dated January 12, 2026, which is incorporated by reference into the disclosure.