Welcome to EPNB.com

How have we remained independent for so long, when many other banks have been acquired or merged into other organizations?

The answer is simple. Ephrata National Bank recognizes the two needs of our customers:

1. Products and services that meet our customers' changing needs.
2. Customer service that demonstrates, with every interaction, that our customers are people, not accounts, to us.

Ephrata National Bank is the sole subsidiary of ENB Financial Corp, a bank holding company established in 2007.

Our Commitment:

• To remain an independent community bank of undisputed integrity, serving the communities of Northern Lancaster County and beyond.
• To offer state-of-the-art financial products and services of high quality and value at an affordable price.
• To provide unsurpassed personal service, delivered by a highly dedicated professional team.

As branch banking came into vogue in the 1960s, ENB began to increase its footprint by constructing branch offices in various northern Lancaster County locations; today ENB has 7 full-service branch locations.

As technology advanced in the 1980s, ENB increased its availability to customers through ATMs; today it also offers online banking as well as a myriad of other services that complement the bank offerings that Ephrata National Bank's clients have come to expect.

Through times of prosperity as well as times of economic downturn, Ephrata National Bank's leadership has been strong and steady. Although mergers and acquisitions have become common, ENB is proud to continue being an independent, locally-owned and operated bank - part of a vanishing breed.

That small seedling, planted in 1881, has blossomed into a forward-looking, thriving financial institution committed to the prosperity of the people of northern Lancaster County and beyond.

Our Current Board of Directors
Aaron L. Groff, Jr. (Chairman)
Paul W. Brubaker
Willis R. Lefever
Donald Z. Musser
Susan Young Nicholas
Bonnie R. Sharp
J. Harold Summers
Mark Wagner
Paul M. Zimmerman, Jr.
Thomas H. Zinn

Recent News August 25, 2008 — ENB Teller Linda Espinoza Voted Readers' Choice Awards"Friendliest Teller" Akron Office teller, Linda Espinoza was voted "Friendliest Teller" by voters in Lancaster Newspapers Annual Readers' Choice Survey. Linda is a 20 year employee of ENB. July 21, 2008 — ENB Receives 5-Star Rating Ephrata National Bank has earned a 5–Star rating by BauerFinancial, Inc., the nation’s leading independent bank rating and research firm. Ephrata National Bank has merited this highest honor for the 76th consecutive quarter. The 5–Star rating is based on the financial condition of the bank and indicates that Ephrata National Bank is one of the strongest banks in the country. Ephrata National Bank has the added distinction of being an “Exceptional Performance Bank” for having earned this highest distinction for ten years or longer. June 23, 2008 — ENB Relay For Life Team Raises $3,593.00 Ephrata National Bank's team of walkers for the Ephrata/Cocalico Relay for Life walked 24 hours and raised $3,593.00 to benefit the American Cancer Society and to be used within our local community. June 18, 2008 — ENB Director Mark C. Wagner appointed to Federal Reserve Council The Federal Reserve Bank of Philadelphia has named Mark C. Wagner to a 3 year term on its new Economic Advisory Council. Wagner is co-founder, president and CEO of White Oak Mills, a livestock and poultry feed maker in Elizabethtown. The 14 member council replaces the Business Council. March 31, 2008 — ENB Breaks Ground for New Manheim Branch Ephrata National Bank marked the start of construction of the new Manheim Branch with a ground breaking ceremony held on site at 1 Penryn Road, Penn Township. The Manheim location will be ENB’s eighth full service branch and will include three drive-up lanes and a drive-up ATM. Construction of the new branch is scheduled to be completed by Fall 2008.