ENBP on OTC

ENB Financial Corp

American national commercial bank based in Ephrata, listed on OTC (ENBP). Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

Compare with another stock.

  • TickerENBP on OTC1
  • IndustryNational Commercial Banks1
  • HeadquartersEphrata, Pennsylvania1
  • Incorporated inPA2
  • Business address31 E Main Street, Po Box 457, Ephrata, Pa 17522-04572
  • Filer categoryNon-accelerated filer, Smaller reporting company2
  • Legal formCorporation

See how the biggest companies compare on our leaderboards

Cecil Bank, a Maryland state-chartered bank, merged with and into the Bank with the Bank as the survivor, collectively the acquisition.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456789$21.6M in 2025+89% since 2019
0$10.0M$20.0M$30.0M2019: $11.4M$11.4M20192020: $12.3M$12.3M2020+8%2021: $14.9M$14.9M2021+21%2022: $14.6M$14.6M2022−2%2023: $12.4M$12.4M2023−15%2024: $15.3M$15.3M2024+24%2025: $21.6M$21.6M2025+41%

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
Interest and fees on loans$81.2M$73.1M
Taxable$19.9M$13.5M
Tax-exempt$2.6M$2.8M
Interest on deposits at other banks$983.0K$2.2M
Dividend income$1.4M$1.3M
Total interest and dividend income$106.1M$92.9M
Interest on deposits$29.8M$30.4M
Interest on borrowings$7.6M$5.7M
Total interest expense$37.4M$36.1M
Net interest income$68.7M$56.7M
Provision for credit losses$887.0K$1.0M
Net interest income after provision for credit losses$67.8M$55.7M
Trust and investment services income$3.6M$3.7M
Service fees$5.7M$5.9M
Commissions$4.1M$4.1M
Losses on sale of debt securities, net-$312.0K-$97.0K
Gains on equity securities, net$106.0K$256.0K
Gains on sale of mortgages$1.9M$1.8M
Earnings on bank owned life insurance$1.1M$1.3M
Other income$1.8M$1.3M
Total other income$18.0M$18.1M
Salaries and employee benefits$34.7M$34.0M
Occupancy$3.6M$3.3M
Equipment$1.6M$1.3M
Advertising & marketing$1.4M$1.2M
Computer software & data processing$7.3M$6.3M
Shares tax$1.5M$1.4M
Professional services$3.4M$3.3M
Merger related expenses$698.0K
Other expenses$4.8M$4.5M
Total operating expenses$59.1M$55.2M
Income before income taxes$26.7M$18.6M
Provision for income taxes$5.2M$3.3M
Net income$21.6M$15.3M
Basic earnings per share (in Dollars per share)$3.80$2.71
Diluted earnings per share (in Dollars per share)$3.80$2.71
Dividends per share (in Dollars per share)$0.72$0.69

Compare ENB Financial Corp with another company

Leadership

Who has led ENB Financial Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Aaron L. Groff Jr.2009–2020

Chair

  1. Aaron L. Groff Jr.2010–2020

President

  1. Aaron L. Groff Jr.2009–2020
  2. James B. Dull2011

Chief financial officer

  1. Scott E. Lied2009–2021
  2. Rachel G. Bitner2023–2025
  3. Douglas P. Barton2025–now

Chief operating officer

  1. Barry E. Miller2014–2020
  2. Matthew T. Long2019–2023
  3. Joselyn D. Strohm2023–now
2010201520202025
Board members and other officers (31)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • CEO, and Chairman of the BoardJeffrey Stauffer named Jul 25, 2022 to Dec 22, 202550
  • EVP, Chief Human Resource OfficerCindy S Hoffman named Jul 25, 202251

Timeline

  1. Feb 5, 2009New chief executive Aaron L. Groff Jr. becomes CEO12

Filings

286 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 67 major events, 187 insider forms, 1 large holders, 2 private raises, 9 other. The latest 20:

  1. Sep 21, 20268-K EDGAR
  2. Aug 14, 202610-Q EDGAR
  3. Aug 7, 20264 PRIMARY DOCUMENT EDGAR
  4. Jul 27, 20268-K EDGAR
  5. Jul 16, 20268-K EDGAR
  6. Jun 22, 20264 PRIMARY DOCUMENT EDGAR
  7. May 15, 202610-Q EDGAR
  8. May 6, 20268-K EDGAR
  9. Apr 27, 20268-K EDGAR
  10. Apr 17, 20268-K/A EDGAR
  11. Apr 16, 20268-K EDGAR
  12. Apr 2, 2026ARS EDGAR
  13. Apr 2, 2026DEF 14A EDGAR
  14. Mar 20, 202610-K EDGAR
  15. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  16. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  17. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  18. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  19. Feb 9, 20265 PRIMARY DOCUMENT EDGAR
  20. Feb 9, 20265 PRIMARY DOCUMENT EDGAR

The 286 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

45 open-market trades by officers, directors and large owners since October 2021: 41 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 6, 2026Zimmerman Roger LDirectorBuy500$29.48$14.7KForm 4
Dec 23, 2025Cake Cindy L.Chief Human Resources OfficerSale1,646$22.79$37.5KForm 4
Nov 14, 2025Zimmerman Roger LDirectorBuy400$22.32$8.9KForm 4
Oct 30, 2025Klein Nicholas DChief Risk OfficerSale348$22.45$7.8KForm 4
Jan 31, 2025Klein Nicholas DChief Risk OfficerSale500$17.54$8.8KForm 4
Aug 22, 2024Cake Cindy L.Chief Human Resources OfficerSale416$16.77$7.0KForm 4
Jun 14, 2024Stauffer JeffreyChairman, President, and CEOBuy200$14.97$3.0KForm 4
Apr 26, 2024Neiss Chad EChief Strategy OfficerBuy1,900$14.98$28.5KForm 4
Apr 22, 2024Zimmerman Roger LDirectorBuy1,554$14.84$23.1KForm 4
Mar 15, 2024Stauffer JeffreyChairman, President, and CEOBuy232$14.85$3.4KForm 4
Jan 24, 2024Stauffer JeffreyChairman, President, and CEOBuy176$14.93$2.6KForm 4
Jan 23, 2024Stauffer JeffreyChairman, President, and CEOBuy100$14.75$1.5KForm 4
Nov 8, 2023Stauffer JeffreyChairman, President, and CEOBuy200$13.67$2.7KForm 4
Oct 26, 2023Neiss Chad EChief Strategy OfficerBuy500$13.05$6.5KForm 4
Sep 25, 2023Bitner Rachel GChief Financial OfficerBuy400$12.98$5.2KForm 4
Sep 19, 2023Stauffer JeffreyChairman, President, and CEOBuy100$13.00$1.3KForm 4
Aug 23, 2023Stauffer JeffreyChairman, President, and CEOBuy100$13.50$1.4KForm 4
Aug 2, 2023Stauffer JeffreyChairman, President, and CEOBuy131$14.50$1.9KForm 4
Aug 1, 2023Stauffer JeffreyChairman, President, and CEOBuy100$14.41$1.4KForm 4
Jul 26, 2023Neiss Chad EChief Strategy OfficerBuy500$14.19$7.1KForm 4

All 45 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Dec 17, 2025Raised $42.5 million in a private offering of debt Form D: 42 investors so far Form D
  2. Jul 22, 2022Raised $20 million in a private offering of debt Form D: 22 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
KERR FINANCIAL PLANNING Corp5,000$141.2K0.2%No change
Comprehensive Financial Planning, Inc./PA1,878$51.7K0.0%No change

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 23, 2026Lloyd SmuckerRepublican, HouseSale$1,001 - $15,000−10.1%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52