ENB Financial is a community bank holding company headquartered in Ephrata, Pennsylvania. Its sole banking subsidiary, Ephrata National Bank, provides traditional banking products and services to individuals and small-to-medium-sized businesses across Lancaster, Lebanon, and Berks Counties in Pennsylvania, with a recent expansion into Cecil County, Maryland. ENB operates 14 full-service branches in Pennsylvania, with four additional branches in Cecil County added via the February 2026 acquisition of Cecil Bank for approximately $31.3M in cash. ENB's core business is straightforward: it takes in deposits at lower rates and lends that money out at higher rates, earning the spread. Loans are primarily commercial, real estate, and consumer, with a notable concentration in real estate loans in northern Lancaster County. Beyond net interest income, ENB earns fee income through wealth management (ENB Wealth Solutions), insurance (ENB Insurance), and card interchange. ENB holds a dominant 45.7% deposit market share in its home Ephrata market, reflecting deep local roots since its founding in 1881, though it ranks third with 10.0% share across the broader Lancaster County market. ENB's growth strategy focuses on geographic expansion into adjacent markets and broadening its product set to deepen customer relationships and grow fee income.