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Welcome to EPNB.com
Ephrata National Bank has served Northern Lancaster County and beyond for over 125 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 127 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 almost 20 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 June 30, 2008 Quarterly Financial Statements and FDIC Call Reports. Based on these ratios, ENB’s capitalization ranks us in the 80th percentile compared to our peer group (national banks with assets between $300 million and $1 billion).
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.
On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.
Deposits with ENB are currently 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 Transaction Account Guarantee Program
Ephrata National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from coverage available under the FDIC's general deposit insurance rules.
Notice to Customers With Transfer or Sweep Arrangements
This is to advise you that Ephrata National Bank participates in the FDIC's Transaction Account Guarantee Program. Under that program, your noninterest-bearing transaction accounts with Ephrata National Bank have unlimited FDIC deposit insurance. This insurance is in addition to the FDIC's normal deposit insurance coverage of $250,000. However, 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.
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
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.
August 25, 2009 — ENB Teller Linda Espinoza Voted "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.
August 11, 2009 — 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 80th 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 1, 2009 — ENB CEO Elected to PBA Board
Aaron L. Groff, Jr., Chairman, President and Chief Executive Officer (CEO) of Ephrata National Bank, Ephrata, PA, has been elected to the Pennsylvania Bankers Association (PBA) Board of Directors. Groff is one of four bankers in the state chosen to represent the various deposit categories. Groff will serve a three-year term beginning July 1, 2009.
September 15, 2008 — ENB Donates To Manheim Fire Company
Ephrata National Bank recently opened its 8th full service branch located at 1 N Penryn Road, Manheim. ENB commemorated the special occasion with a ribbon cutting ceremony and a check presentation of $500.00 to the Manheim Fire Company.
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