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 declared a 1st quarter cash dividend of $0.18 per share. The dividend will be paid on March 13, 2026 to shareholders who are on record as of February 13, 2026. The company also issued a press release on January 21, 2026 describing this dividend, which is included as an exhibit to the report.
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.
ENB Financial Corp reported insider share sales by its Chief Human Resources Officer on 12/23/2025. The officer sold several blocks of ENB Financial Corp common stock in open market transactions coded as sales ("S") at prices of $23.21, $22.9164, and $22.55 per share. Following these transactions, the officer directly beneficially owned 60.8735 shares of ENB Financial Corp common stock.
ENB Financial Corp plans to redeem all of its outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030 on January 31, 2026. These notes have an aggregate principal amount of $20,000,000, and the redemption price will equal 100% of principal plus accrued and unpaid interest up to, but not including, the redemption date.
The company states it will use excess cash on hand to fund the redemption, with that cash arising from the issuance of $42,500,000 in new subordinated debt. This transaction effectively replaces one debt instrument with another while retiring the existing notes earlier than their stated maturity.
ENB Financial Corp entered into subordinated note purchase agreements with institutional investors and sold $42,500,000 of 6.50% fixed-to-floating rate subordinated notes due December 31, 2035 at 100% of face value. The notes pay a 6.50% fixed rate until December 31, 2030, then reset quarterly to the three month term SOFR plus 306 basis points and are redeemable at the company’s option at par, with accrued interest, generally beginning December 17, 2030. They are unsecured, rank junior to senior debt and are intended to qualify as Tier 2 capital. The company plans to use net proceeds for general corporate purposes, including acquisitions, growth initiatives, capital contributions to The Ephrata National Bank and potentially redeeming its 4.00% fixed-to-floating notes due December 31, 2030.
The notes were privately placed under Section 4(a)(2) and Rule 506(b) of Regulation D and are not convertible into other securities. The boards also appointed Rachel G. Bitner, President and Chief Executive Officer Elect, as a Class C director of the company and the bank, to serve until the 2026 annual meeting of shareholders.
ENB Financial Corp's CFO and Treasurer reported his beneficial holdings as of 12/15/2025. He directly owns 1,000 shares of common stock and has a grant of 898 restricted stock units tied to common stock. The restricted stock units vest in three equal annual installments of 33 1/3% each, beginning on the first anniversary of the grant date.
ENB Financial Corp appointed Douglas P. Barton, CPA as Executive Vice President, Chief Financial Officer and Treasurer of both the Corporation and its wholly owned subsidiary, The Ephrata National Bank. Barton, age 61, previously served as Senior Vice President Director of Financial Planning and Analysis at Orrstown Financial Services, Inc. from 2010 to 2024. The company notes he has no relationships or interests requiring disclosure under specified SEC related-party rules. It also discloses that in 2016 he consented, without admitting or denying the findings, to an SEC cease-and-desist order and a $25,000 civil penalty related to Rule 13b2-1 and certain Exchange Act reporting provisions concerning alleged GAAP disclosure issues at Orrstown.
The parties entered into a three-year Employment Agreement starting December 15, 2025, automatically renewing for additional three-year terms unless timely non-renewal notice is given. Barton will receive an annual base salary of $258,000, eligibility for discretionary bonuses, standard employee benefits, paid time off, and expense reimbursement. He was granted 898 restricted stock units, each for one share of common stock, vesting at 33 1/3% on each anniversary over three years. If he resigns for good reason or is terminated without cause, he generally receives remaining base salary for the term, subject in some cases to a range from 2.00 to 2.99 times base salary and, if separated without cause within two years after a change in control, a lump sum equal to 2.5 times base salary, plus up to two years of continued health and welfare benefits, with payments limited to avoid excise tax and deduction issues under Sections 4999 and 280G of the Internal Revenue Code.
ENB Financial Corp (ENBP) director reported a small open-market purchase of company stock. On 11/14/2025, the reporting person bought 400 shares of common stock at a price of $22.32 per share, coded as a purchase transaction. Following this trade, the director beneficially owns 4,564 shares of ENB Financial common stock held directly. This filing reflects routine insider ownership reporting for a board member rather than a major corporate event.
ENB Financial Corp reported stronger results for Q3 2025. Net income was $5.9 million for the three months ended September 30, 2025, up from $3.3 million a year ago, as net interest income rose to $17.6 million from $14.2 million. Earnings per share were $1.04 versus $0.59. For the nine months, net income reached $16.0 million compared to $11.6 million in 2024.
Total assets were $2.22 billion at September 30, 2025, with loans at $1.48 billion and deposits at $1.88 billion. Stockholders’ equity increased to $152.0 million, aided by an improvement in accumulated other comprehensive loss to $(26.8) million. The available‑for‑sale securities portfolio had unrealized losses of $33.6 million, improved from year‑end levels, and no allowance for credit losses on securities was recorded.
Credit metrics were stable: the allowance for credit losses was $16.6 million, and nonperforming loans were $9.9 million. The quarter included a $20 thousand net provision for credit losses and cash dividends of $0.18 per share.
ENB Financial Corp (ENBP) filed a Form 4 reporting that its Chief Risk Officer acquired 349 shares of common stock on 10/31/2025, following the vesting of restricted stock units. The filing lists a share price of $23 for the common stock entry. After the transaction, the officer directly owned 7,374.6285 shares.
The derivative line shows 349 restricted stock units converted into common stock at a stated price of $0, leaving 0 derivative units afterward. The footnotes state this was the third and final year of vesting for a 2022 grant that vests at 33 1/3% annually beginning on the first anniversary.