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Welcome to EPNB.com
Ephrata National Bank has served Northern Lancaster County and beyond for over 130 years.
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:
- Products and services that meet our customers' changing needs.
- Customer service that demonstrates, with every interaction, that our customers are people, not accounts, to us.
If you're looking for more than the "big box" experience, then stop in one of our branches. As soon as you walk in, we guarantee "you'll feel the difference".
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.
Financial Safety and Soundness
Ephrata National Bank understands that we have a responsibility to both our customers and our shareholders to maintain a strong financial institution. We take this responsibility seriously.
Following are a few examples of how we continue to maintain a position of stability and financial strength, as we have for the past 130 years.
ENB has a 5-Star Rating with BauerFinancial, Inc. BauerFinancial is the nation’s leading independent bank rating and research company. Each quarter, BauerFinancial evaluates banks’ performance to determine their safety and soundness. For 22 consecutive years, ENB has been recognized as a 5-star bank. Additionally, we have been consistently recognized by BauerFinancial as an “Exceptional Performance Bank”. To achieve this honor, a bank must maintain its 5-star rating for 10 years or more.
ENB has not and does not participate in the subprime mortgage market. As we have written in our 2007 Annual Report, we did not pursue this type of mortgage.
ENB is extremely well-capitalized. To protect the bank against potential losses, ENB maintains capital levels in excess of federal requirements. Our capital ratios are documented in our financial statements and regulatory filings, including our Quarterly Financial Statements and FDIC Call Reports.
ENB has consistently paid dividends to our shareholders. By maintaining a stable and secure banking business, we have been able to reward shareholders with consistent dividends – even during the Great Depression! To date, ENB has never missed a dividend payment to shareholders.
ENB participates in the FDIC insurance program. To be listed as an FDIC insured bank, a financial institution must meet high standards for financial strength and stability. Additionally, FDIC-insured institutions are regularly audited to ensure that they continue to meet the requirements to be FDIC insured.
Deposits with ENB are insured up to $250,000 for basic accounts (such as savings, checking, money market, and CDs) and up to $250,000 for retirement accounts (such as IRA CDs). Your own accounts may have an even higher rate of coverage. For full details, please visit the FDIC web site at http://www.fdic.gov/deposit. The site also provides an FDIC insurance calculator (http://www.fdic.gov/edie) that can help you calculate your coverage level.
Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
Note to Customers with Sweep/Transfer Arrangements - Because of the varying levels of FDIC insurance coverage, if you have noninterest-bearing transaction accounts with a transfer or sweep arrangement to an interest-bearing transaction account or product, that transfer could decrease your FDIC deposit insurance coverage.
Calculating FDIC Insurance Coverage
The FDIC provides an FDIC insurance calculator online at www.fdic.gov/edie that can help you calculate your coverage level for your deposits.
Ephrata National Bank's Governing Body
Ephrata National Bank is governed by the Office of the Comptroller of the Currency (OCC). For assistance in contacting the OCC about our bank, please click here.
Secure & Fair Enforcement for Mortgage Licensing Act of 2008
To view a list of Ephrata National Bank’s Mortgage Loan Originators (MLO) currently registered with the Nationwide Mortgage Licensing System & Registry (NMLS), please click here.
Our Current Board of Directors
Aaron L. Groff, Jr. (Chairman)
Willis R. Lefever
Donald Z. Musser
Susan Young Nicholas
Bonnie R. Sharp
J. Harold Summers
Mark C. Wagner
Paul W. Wenger
Paul M. Zimmerman, Jr.
Thomas H. Zinn
Recent News
March 15, 2011 — ENB Once Again Rated a 5-Star Bank
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 its 87th 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.
November 12, 2010 — ENB Once Again Rated a 5-Star Bank
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 its 85th 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.
February 16, 2010 — ENB Completes Construction on Denver Branch
Ephrata National Bank has finished its renovation project on its Denver branch (1 Main St, Denver). The public is invited to a Grand Re-Opening Event to be held on Friday, February 26, 2010 at the branch during business hours.
January 30, 2010 — ENB Once Again Rated a 5-Star Bank
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 its 82nd 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.
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