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Ephrata National Bank

Address:

3190 Lititz Pike, Lititz, PA 17543

Phone:

(717) 735-7799

Hours:
  • Mon: 9am-5pm
  • Tue: 9am-5pm
  • Wed: 9am-5pm
  • Thu: 9am-5pm
  • Fri: 9am-5pm

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

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