Earnings summaries and quarterly performance for ENB Financial.
Executive leadership at ENB Financial.
Jeffrey Stauffer
President and Chief Executive Officer
Adrienne Miller
Senior Vice President, Legal Counsel and Corporate Secretary
Cindy Cake
Executive Vice President, Chief Human Resource Officer
Joselyn Strohm
Senior Executive Vice President, Chief Operating Officer
Nicholas Klein
Executive Vice President, Chief Risk Officer
Rachel Bitner
Executive Vice President, Chief Financial Officer
William Kitsch
Senior Executive Vice President, Chief Revenue Officer
Board of directors at ENB Financial.
Brian Reed
Director
Daniel Stoltzfus
Director
Jay Martin
Director
Jose Lopez
Director
Joshua Hoffman
Director
Judith Weaver
Director
Mark Wagner
Director
Roger Zimmerman
Director
Susan Nicholas
Director
Willis Lefever
Director
Research analysts covering ENB Financial.
Recent press releases and 8-K filings for ENBP.
- ENB Financial Corp (ENBP) completed its acquisition of Cecil Bancorp, Inc. and its subsidiary Cecil Bank on February 1, 2026.
- Following the acquisition, ENB's consolidated assets are approximately $2.5 billion, deposits are $2.1 billion, and loans are $1.7 billion.
- The combined entity now operates 18 full-service community banking offices across Pennsylvania and Maryland, expanding ENB's market into Cecil County, Maryland.
- ENB issued approximately $31.3 million in cash in the merger.
- ENB Financial Corp reported a 48.0% increase in net income for the fourth quarter of 2025, reaching $5,514,000, and a 40.8% increase for the full year 2025 to $21,559,000.
- Basic and diluted earnings per share (EPS) for Q4 2025 were $0.97, up from $0.66 in Q4 2024, with year-to-date EPS for 2025 at $3.80 compared to $2.71 in 2024.
- The significant earnings growth was primarily driven by an 18.0% increase in net interest income for Q4 2025 and a lower provision for credit losses of $255,000 in Q4 2025, down from $1,369,000 in Q4 2024.
- As of December 31, 2025, total assets increased by 1.7% to $2.26 billion, gross loans by 6.2% to $1.52 billion, and total stockholders' equity by 23.0% to $161.1 million. The company's annualized return on average assets (ROA) for Q4 2025 rose to 0.98% and return on average stockholders' equity (ROE) to 13.91%.
- The company also incurred $698,000 in expenses related to the previously announced Cecil Bank acquisition, which is expected to close in the first quarter of 2026.
- ENB Financial Corp appointed Douglas P. Barton as Executive Vice President, Chief Financial Officer, and Treasurer, effective December 15, 2025, succeeding Rachel G. Bitner, who is now President and Chief Executive Officer Elect.
- Mr. Barton's employment agreement includes an annual base salary of $258,000 and a grant of 898 restricted stock units at $23.00 per share, vesting at a rate of 33 1/3% on each anniversary over a three-year period.
- In 2016, Mr. Barton was a respondent in an SEC administrative proceeding, consenting to a cease and desist order and paying a $25,000 civil penalty for violations related to GAAP requirements for disclosure of impaired loan disclosure, calculation of loan losses, and fair value for certain collateral during his previous role at Orrstown Financial Services, Inc..
- ENB Financial Corp reported net income of $5,919,000 for the third quarter of 2025, a 77.4% increase over the third quarter of 2024, and year-to-date net income of $16,045,000, up 38.4% from the same period in 2024.
- Basic and diluted earnings per share were $1.04 for Q3 2025 and $2.83 year-to-date 2025, compared to $0.59 and $2.05 for the respective periods in 2024.
- Net interest income increased by 24.0% for the three months ended September 30, 2025, and 22.2% for the nine months ended September 30, 2025, compared to the same periods in the prior year.
- As of September 30, 2025, total assets reached $2.22 billion (up 6.2%), total loans were $1.48 billion (up 5.1%), and total stockholders' equity was $152.0 million (up 12.5%) compared to September 30, 2024.
- The company's annualized return on average assets (ROA) for Q3 2025 increased to 1.06% from 0.65% in Q3 2024, and return on average stockholders' equity (ROE) rose to 16.60% from 10.17% over the same period.
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