Enb Financial Corp (ENBP)

Overview

ENB Financial Corp serves as the holding company for Ephrata National Bank, a financial institution rooted in tradition since its establishment in 1881. Based in Ephrata, Pennsylvania, it extends its varied financial services to individuals and small-to-medium-sized businesses throughout Pennsylvania. With a strong focus on community banking, ENB Financial Corp emphasizes personalized service, aiming to meet the diverse financial needs of its clientele. Its operations are geared towards fostering local economic growth and providing reliable financial solutions that embody both innovation and tradition.

Products and Services

Deposit Products: ENB Financial Corp offers a comprehensive range of deposit products to accommodate the savings and transactional needs of its customers. These include:

• Non-interest bearing demand deposits for customers seeking easy access to their funds without the accrual of interest.
• Interest-bearing demand deposits, NOW accounts, providing an option for earning interest on funds that are readily available for withdrawal.
• Money market deposit accounts, combining the benefit of earning higher interest rates with the convenience of writing checks.
• Savings accounts, a fundamental banking service for individuals looking to save funds for the future.
• Time deposits, or certificates of deposit (CDs), suitable for customers looking for higher interest rates in exchange for locking in their funds for a predetermined period.

Loan Portfolio: Catering to a variety of financing needs, the company offers a versatile array of loan products, including:

• Secured and unsecured commercial loans for businesses requiring funding for operations, expansion, or other commercial purposes.
• Real estate loans, providing financing solutions for purchasing, refinancing, or developing property.
• Consumer loans, designed to help individuals finance personal needs, such as auto purchases, home improvements, or education.

Electronic Funds Transfer: ENB Financial Corp facilitates direct deposits and payments, enhancing the convenience of managing finances through electronic transfers.

Additional Services: Beyond traditional banking services, ENB Financial extends a variety of additional services catering to the convenience and security of its customers. These services include:

• ATM and telephone banking, enabling customers to access their accounts and conduct transactions remotely.
• Debit and credit card services, offering flexible payment solutions and financial access around the globe.
• Safe deposit box rentals, providing a secure environment for the storage of valuable personal items.
• Remote deposit capture, allowing businesses to deposit checks electronically without visiting a bank branch.
• Trust and investment advisory services, offering expertise in managing assets and estate planning.
• Internet banking services, including bill pay and wire transfer capabilities, facilitating easy and secure online financial management.