| CECIL-BANCORP-INC |
CECIL-BANCORP-INC |
92%
|
Effective February 1, 2026, the Corporation completed its previously announced Acquisition of Cecil Bancorp, Inc. |
| THE-EPHRATA-NATIONAL-BANK |
THE-EPHRATA-NATIONAL-BANK |
90%
|
At the effective time of the acquisition, Acquisition Subsidiary merged with and into Cecil, with Cecil surviving the merger and becoming the wholly-owned subsidiary of the Corporation. |
| CUSTOMERS-THE-CORPORATION |
CUSTOMERS-THE-CORPORATION |
85%
|
eported in the Corporation’s Consolidated Statements of Income under other income. Revenue from Contracts with Customers The Corporation records revenue from contracts with customers in accordance wi… |
| DEPOSITS-THE-CORPORATION |
DEPOSITS-THE-CORPORATION |
85%
|
ance, and the percentage of loans indicates the percentage of the loan portfolio represented by the indicated loan type as of December 31, 2025 and December 31, 2024 (in thousands): 2025 2024 % of % … |
| ACQUISITION-THE-CORPORATION |
ACQUISITION-THE-CORPORATION |
62%
|
er of 2026 compared to $982,000 for the same period in 2025. The effective tax rate for the Corporation was 20.3% for the three months ended March 31, 2026, and 18.5% for the three months ended March… |
| ADVERTISING-COSTS-THE-CORPORATION |
ADVERTISING-COSTS-THE-CORPORATION |
62%
|
based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets. The following chart provides … |
| ANALYSIS-THE-CORPORATION |
ANALYSIS-THE-CORPORATION |
62%
|
ents of Income under operating expenses. Income tax expense totaled $5,176,000 and $3,308,000 for the years ended December 31, 2025 and 2024. The effective tax rate for 2025 was 19.4% compared to 17.… |
| BORROWERS-EXPERIENCING-FINANCIAL-DIFFICULTY-THE- |
BORROWERS-EXPERIENCING-FINANCIAL-DIFFICULTY-THE- |
62%
|
. This ASU requires that loans acquired without credit deterioration and deemed “seasoned”, will be considered purchased seasoned loans (“PSLs”). PSLs include all loans acquired in a business combina… |
| CECIL-ACQUISITION-THE-CORPORATION |
CECIL-ACQUISITION-THE-CORPORATION |
62%
|
loans was 1.15%. More details are provided under Allowance for Credit Losses in the Financial Condition section that follows. Other Income Other income for the first quarter of 2026 was $4,379,000, a… |
| CECIL-BANCORP-INC-CECIL-BANCORP-INC |
CECIL-BANCORP-INC-CECIL-BANCORP-INC |
62%
|
has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Corporation’s primary sources of revenue are derived from interest… |
| COMPETITION-THE-CORPORATION |
COMPETITION-THE-CORPORATION |
62%
|
the Bank only has one reportable operating segment, community banking, as described in Note A – Summary of Significant Accounting Policies and Note V – Segment Reporting in the Notes to the Consolida… |
| CORPORATION-ENB-SOUTH-ACQUISITION-SUBSIDIARY-INC |
CORPORATION-ENB-SOUTH-ACQUISITION-SUBSIDIARY-INC |
62%
|
has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Corporation’s primary sources of revenue are derived from interest… |
| CREDIT-QUALITY-INDICATORS-THE-CORPORATION |
CREDIT-QUALITY-INDICATORS-THE-CORPORATION |
62%
|
. This ASU requires that loans acquired without credit deterioration and deemed “seasoned”, will be considered purchased seasoned loans (“PSLs”). PSLs include all loans acquired in a business combina… |
| CREDIT-THE-CORPORATION |
CREDIT-THE-CORPORATION |
62%
|
ure, Home Equity, and Residential Real Estate loans as these loans have accounted for higher levels of historical charge-offs. The Corporation’s Non-Owner Occupied CRE portfolio has performed well hi… |
| ENB |
Enbridge Inc. |
62%
|
Reciprocal relationship from ENB graph: Reciprocal relationship from ENBP graph: receivable 8,424 8,424 59 3,306 5,059 Financial Liabilities: Demand deposits 649,090 649,090 649,090 — — Interest-bear… |
| ENB-INSURANCE-LLC |
ENB-INSURANCE-LLC |
62%
|
tional Bank has one wholly-owned subsidiary, ENB Insurance, LLC which is consolidated into its financial statements. This Form 10-Q, for the first quarter of 2026, is reporting on the results of oper… |
| EPHRATA-BOROUGH-THE-CORPORATION |
EPHRATA-BOROUGH-THE-CORPORATION |
62%
|
the Bank only has one reportable operating segment, community banking, as described in Note A – Summary of Significant Accounting Policies and Note V – Segment Reporting in the Notes to the Consolida… |
| EPHRATA-PENNSYLVANIA-THE-CORPORATION |
EPHRATA-PENNSYLVANIA-THE-CORPORATION |
62%
|
the Bank only has one reportable operating segment, community banking, as described in Note A – Summary of Significant Accounting Policies and Note V – Segment Reporting in the Notes to the Consolida… |
| FANNIE-MAE-THE-CORPORATION |
FANNIE-MAE-THE-CORPORATION |
62%
|
lines of credit and any letters of credit provided to borrowers. The allowance is carried as a liability and is included in other liabilities on the Corporation’s Consolidated Balance Sheets. The lia… |
| INVESTMENT-SECURITIES-THE-CORPORATION |
INVESTMENT-SECURITIES-THE-CORPORATION |
62%
|
ents of Income under operating expenses. Income tax expense totaled $5,176,000 and $3,308,000 for the years ended December 31, 2025 and 2024. The effective tax rate for 2025 was 19.4% compared to 17.… |
| LEA |
Lear Corporation |
62%
|
Reciprocal relationship from LEA graph: Reciprocal relationship from ENBP graph: Reciprocal relationship from LEA graph: Reciprocal relationship from ENBP graph: Reciprocal relationship from LEA grap… |
| LEASES-THE-CORPORATION |
LEASES-THE-CORPORATION |
62%
|
based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets. The following chart provides … |
| LIQUIDITY-THE-CORPORATION |
LIQUIDITY-THE-CORPORATION |
62%
|
ents of Income under operating expenses. Income tax expense totaled $5,176,000 and $3,308,000 for the years ended December 31, 2025 and 2024. The effective tax rate for 2025 was 19.4% compared to 17.… |
| OPERATING-SEGMENTS-THE-CORPORATION |
OPERATING-SEGMENTS-THE-CORPORATION |
62%
|
esent the employees and management believes it maintains good relationships with its employees. Operating Segments The Corporation’s business is providing financial products and services. These produ… |
| OPERATIONS-ENB-FINANCIAL-CORP |
OPERATIONS-ENB-FINANCIAL-CORP |
62%
|
operating lease liabilities 519 — OREO acquired in settlement of loans 989 — See Notes to the Consolidated Financial Statements 57 ENB FINANCIAL CORP Notes to Consolidated Financial Statements NOTE A… |
| OPERATIONS-OVERVIEW-THE-CORPORATION |
OPERATIONS-OVERVIEW-THE-CORPORATION |
62%
|
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations The following discussion and analysis represents management’s view of the financial condition and results… |
| REPUTATION-RISK-THE-CORPORATION |
REPUTATION-RISK-THE-CORPORATION |
62%
|
the Bank only has one reportable operating segment, community banking, as described in Note A – Summary of Significant Accounting Policies and Note V – Segment Reporting in the Notes to the Consolida… |
| SALE-SECURITIES-THE-CORPORATION |
SALE-SECURITIES-THE-CORPORATION |
62%
|
to general practices within the banking industry. All significant intercompany transactions have been eliminated in consolidation. The Corporation’s management has evaluated all activity of the Corpo… |
| SEASONALITY-THE-CORPORATION |
SEASONALITY-THE-CORPORATION |
62%
|
lates to interest rates offered, products available, quality of service, and loan origination fees charged. Several competitors within the Corporation’s primary market have substantially higher legal… |
| SEGMENT-REPORTING-THE-CORPORATION |
SEGMENT-REPORTING-THE-CORPORATION |
62%
|
receivable 8,424 8,424 59 3,306 5,059 Financial Liabilities: Demand deposits 649,090 649,090 649,090 — — Interest-bearing demand deposits 375,938 375,938 375,938 — — Money market deposit accounts 162… |
