ENB Financial Corp: insider trades · United States · SEC (Form 4)

About ENB Financial Corp

ENB Financial Corp is a U.S. bank holding company whose shares trade on the OTCQX under the ticker ENBP; it is not listed on NYSE/NASDAQ, despite operating in the United States financial sector. The company is the parent of Ephrata National Bank, a national bank whose roots date back to April 11, 1881. ENB Financial Corp was formed on July 1, 2008 to become the bank’s holding company, while preserving a strong regional identity centered in Ephrata, Pennsylvania. Its headquarters, and the main office of the bank, are located at 31 East Main Street in Ephrata, Pennsylvania. The franchise is focused on Northern Lancaster County and surrounding communities in southeastern Pennsylvania. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001437479/000117494726000410/enbp-20251231.htm?utm_source=openai)) Operationally, ENB offers a classic community-banking platform: personal and commercial deposit products, residential and commercial lending, consumer credit, cash-management services, and trust and investment services. Through its wholly owned banking subsidiary, the group operates fourteen full-service offices, giving it a meaningful physical footprint for a regional institution. ENB also owns ENB Insurance, a full-service insurance agency that broadens the customer relationship through a range of personal and commercial insurance products. This combination of banking and insurance supports fee income diversification and deeper cross-selling within its local market. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001437479/000117494726000410/enbp-20251231.htm?utm_source=openai)) From a competitive standpoint, ENB Financial Corp is best viewed as a niche community financial institution rather than a large-scale national platform. Its competitive edge comes from local market knowledge, relationship banking, a multi-branch presence, and an integrated bank-insurance model. Against larger banks with greater technology budgets and scale, ENB’s appeal is its local decision-making, customer proximity, and focused service model. That positioning typically resonates with households, small businesses, and regional commercial clients that value responsiveness and continuity. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001437479/000117494726000410/enbp-20251231.htm?utm_source=openai)) Recent developments have been notable. In February 2026, ENB announced the acquisition of Cecil Bancorp, Inc., a transaction expected to expand the company’s regional reach. In December 2025, the company issued $42.5 million of 6.50% fixed-to-floating rate subordinated notes due 2035, a move that may support balance-sheet flexibility and regulatory capital management. ENB also disclosed an open-market share repurchase authorization approved in October 2024. For investors, the story is that of a localized U.S. financial institution with steady community-banking characteristics, incremental M&A ambition, and earnings sensitivity to net interest margin, credit quality, and integration execution. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1437479/000117494726000123/ex99-1.htm?utm_source=openai))