ENB Financial Corp · OTC:ENBP
ENB Financial — Shareholder Meeting (May 2026)
43 slides from ENB Financial's shareholder meeting presentation, May 5, 2026
Slide 1: 2026 Annual Shareholder Meeting
2026 ANNUAL SHAREHOLDER MEETING May 5, 2026 ENB Financial Corp [2 =
Slide 2: Agenda
AGENDA • Welcome • Discussion of Company Condition • Reading of the Minutes • President’s Remarks • Financial Review • Meeting Certification • Voting Results • Matters of Proxy • Voting • Questions & Answers • Adjournment
Slide 3: Presenters
PRESENTERS Jeffrey S. Stauffer Rachel G. Bitner Nicholas D. Klein Douglas P. Barton President, CEO & Chairman President and CEO Elect – Vice President and Principal Financial Officer of the Board – ENB ENB Financial Corp and Corporate Secretary – ENB and Treasurer – ENB Financial Corp and Ephrata Ep
Slide 4: Meeting Certification
MEETING CERTIFICATION Presented by: Nicholas D. Klein Corporate Secretary – ENB Financial Corp
Slide 5: Matters of Proxy
MATTERS OF PROXY One Two Elect three (3) Class C directors To ratify the selection of to serve a 3-year term S.R. Snodgrass, PC as the independent registered public accounting firm for the year ending December 31, 2026
Slide 6: Matters of Proxy: Election of Directors
MATTERS OF PROXY Elect three (3) Class C directors to serve a 3-year term Election of Directors – Class C • Rachel G. Bitner • Joshua E. Hoffman • Susan Y. Nicholas
Slide 7: Continuing Directors
CONTINUING DIRECTORS Continuing Directors – Class B Continuing Directors – Class A • Willis R. Lefever • Jose R. Lopez • Jay S. Martin • Brian K. Reed • Judith A. Weaver • Jeffrey S. Stauffer • Roger L. Zimmerman • J. Daniel Stoltzfus
Slide 8: Voting Process
VOTING PROCESS Presented by: Nicholas D. Klein Corporate Secretary – ENB Financial Corp
Slide 9: Voting Process
VOTING PROCESS Proxy Holders Judges of Election • Aaron L. Groff, Jr. • Paul W. Brubaker • Mary E. Leaman • Roger S. Kline • Paul W. Wenger
Slide 10: President's Remarks
PRESIDENT’S REMARKS Presented by: Jeffrey S. Stauffer President, CEO & Chairman of the Board – ENB Financial Corp
Slide 11: Executive Team
EXECUTIVE TEAM Jeff Stauffer Rachel Bitner Nick Klein Douglas Barton Joselyn Strohm President, CEO & Chairman of the Board President and CEO Elect EVP, Chief Risk Officer EVP, Chief Financial Officer SEVP, Chief Operating Officer
Slide 12: Senior Leadership Team
SENIOR LEADERSHIP TEAM Ashley Bowman Randy Covington Tim Doty Nancy Dove Jennifer Halligan VP, Interim Human Resources Officer SVP, Chief Technology Officer SVP, Chief Information Security Officer SVP, Compliance Officer SVP, Controller Christian Heckman JJ Jones Todd Keagy Craig Rodenberger SVP, Ch
Slide 13: Mission Statement
MISSION STATEMENT To remain an independent To help our employees To help our customers To provide our community bank of find career fulfillment achieve financial health shareholders with a undisputed integrity through professional and wellbeing, as consistent return on so the communities growth and
Slide 14: President Elect's Remarks
PRESIDENT ELECT’S REMARKS Presented by: Rachel G. Bitner President and CEO Elect – ENB Financial Corp and Ephrata National Bank
Slide 15: A Historic Year for ENB
A HISTORIC YEAR FOR ENB $1.5M $21.6M Core Cecil Charitable Net Income Principles Acquisition Donations Strategy Employees Leadership EXTRAORDINARY 2024 2025 2026
Slide 16: Record Financial Performance
RECORD FINANCIAL PERFORMANCE Record Earnings Net Income (in thousands) $21.6m Net income 25,000 20,000 21,559 15,317 15,000 12,375 40.8% 10,000 Increase over record 5,000 set in 2024 0 2023 2024 2025
Slide 17: A Milestone: Our First Acquisition
A MILESTONE: OUR FIRST ACQUISITION Acquisition of Cecil Bancorp, Inc. and its subsidiary, Cecil Bank closed on February 1, 2026. • Expansion into Cecil County, Maryland • Added four full-service banking offices • Enhance relationships; not replace them Priorities During Integration: • Seamless exper
Slide 18: Investing in Our Communities
INVESTING IN OUR COMMUNITIES
Slide 19: Supporting Business Growth
SUPPORTING BUSINESS GROWTH Photo Credit: Lancaster County Magazine Photo Credit: Lancaster Online Photo Credit: Lititz BikeWorks
Slide 20: Giving Back Where It Matters
GIVING BACK WHERE IT MATTERS $1.5m Nearly Charitable donations to support education, healthcare, housing, and economic development J. Harry Hibshman Scholarship by the Numbers 81 Number of scholarships awarded in 2025 $1.6m Value of scholarships awarded in 2025 4.7k Number of scholarships awarded si
Slide 21: Congratulations
CONGRATULATIONS Jeff Stauffer • 45 years of service • 7 years as Chairman, President, and CEO • Retiring end of 2026
Slide 22: 2027 and Beyond
2027 AND BEYOND Vision for ENB is rooted in something very simple—but very powerful: IMPACT Impact In The Community Establishing ENB as THE Community Bank • Trusted Financial Partner • Catalyst For Progress • Listening Carefully • Invest • Responding Thoughtfully • Community Goals • Wellbeing • Futu
Slide 23: 2027 Vision Comes to Life
2027 VISION COMES TO LIFE 1. 2. 3. Meeting People Invest In Our Grow Thoughtfully Where They Are People, Technology And Strategically And Delivery Channels
Slide 24: Building the Next Chapter
BUILDING THE NEXT CHAPTER Independent, Community-Focused Bank Measuring Success • Local Decisions • Financial Performance • Investing Locally • Relationships • Preserving Our Relationship-Based Model • Trust of Our Customers • Impact on Our Communities
Slide 25: 2025 Financial Results
2025 FINANCIAL RESULTS Presented by: Douglas P. Barton Principal Financial Officer and Treasurer – ENB Financial Corp
Slide 26: Disclosures
DISCLOSURES Unaudited Financial Information Some of the following slides present financial information that is unaudited. Therefore, this information is subject to adjustments that could be necessary upon completion of the annual audit. Forward Looking Statements During the course of this presentati
Slide 27: Net Income (in thousands)
NET INCOME (in thousands) 21,559 2025 15,317 2024 12,375 2023 14,631 2022 2021 14,916 0 5,000 10,000 15,000 20,000 25,000
Slide 28: Significant Items
SIGNIFICANT ITEMS Dollars in Thousands 2025 2024 Incr./Decr. Incr./Decr. $ $ $ % Net Interest Income 68,704 56,741 11,963 21.01 Interest Income Components Interest Expense Components 2025 2025 2024 2024 0 20,000 40,000 60,000 80,000 100,000 120,000 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 4
Slide 29: Significant Items
SIGNIFICANT ITEMS Dollars in Thousands 2025 2024 Incr./Decr. Incr./Decr. $ $ $ % Provision for Credit Losses 887 1,015 (128) -12.6 Other Income 16,365 16,145 220 1.4 Gains on the Sale of Mortgages 1,878 1,826 52 2.8 Security Gains (Losses) (206) 159 (365) NA Operating Expenses 59,119 55,231 3,888 7.
Slide 30: 2025 Balance Sheet Growth
2025 BALANCE SHEET GROWTH 2,250,000 2,257,727 2,050,000 2,219,831 1,850,000 1,650,000 1,515,745 1,427,269 1,450,000 1,250,000 1,050,000 850,000 650,000 626,140 588,949 450,000 250,000 2024 2025 Loans Investments Assets
Slide 31: 2025 Deposit Growth
2025 DEPOSIT GROWTH 2,250,000 2,050,000 1,890,443 1,873,361 1,850,000 1,650,000 1,450,000 1,250,000 1,050,000 850,000 650,000 450,000 250,000 2024 2025 Deposits
Slide 32: 2025 Capital Growth
2025 CAPITAL GROWTH 161,054 160,000 150,000 140,000 130,984 130,000 120,000 110,000 100,000 2024 2025 Capital
Slide 33: Capital Position (in thousands)
CAPITAL POSITION (in thousands) 12/31/25 12/31/24 Total Stockholders’ Equity $161,054 $130,984 Retained Earnings $179,481 $162,006 Accumulated Other Comprehensive Loss $(22,137) $(34,143)
Slide 34: Performance Ratios
PERFORMANCE RATIOS 2025 2024 % % Return on Average Assets (ROA) 0.98 0.75 Return on Average Equity (ROE) 15.17 12.13 Net Interest Margin 3.19 2.87 Efficiency Ratio 67.70 73.59
Slide 35: Per Share Data
PER SHARE DATA 2025 2024 Diluted Earnings Per Share $3.80 $2.71 Dividends Per Share $0.72 $0.69 Dividend Payout Ratio 18.95% 25.46% Stock Price at Year-End $23.50 $17.20
Slide 36: 2025 Peer Analysis as of 12/31/25
2025 PEER ANALYSIS as of 12/31/25 * Measurement ENBP % Peer Median % Return on Average Assets 0.98 1.05 Return on Average Equity 15.17 11.89 Net Interest Margin 3.19 3.50 Efficiency Ratio 67.70 60.17 * Peer data consists of the Corporation’s strategic plan peer group which includes 13 banks in PA, N
Slide 37: 2025 Peer Analysis as of 12/31/25
2025 PEER ANALYSIS as of 12/31/25 * Measurement ENBP % Peer Median % Leverage Ratio 8.10 9.41 Tier 1 Ratio 11.50 12.18 Total Capital Ratio 17.80 14.45 Non-Performing Assets/Total Assets 0.41 0.40 Allowance for Credit Losses/Total Loans 1.11 1.07 * Peer data consists of the Corporation’s strategic pl
Slide 38: First Quarter 2026 Results (Unaudited)
FIRST QUARTER 2026 RESULTS (Unaudited) (Dollars in thousands, except per share data) GAAP Based Measures 2026 2025 Non-GAAP Measures 2026 2025 Net Interest Income $18,929 $16,777 Net Income, As Adjusted $5,890 $4,316 Net Income 4,024 4,316 Diluted Earnings Per Shares, 1.03 0.76 As Adjusted Diluted E
Slide 39: Appendix A
Adjusted Net Income and Adjusted Diluted Earnings Per Share 3/31/26 3/31/25 $ $ APPENDIX A Net income (most directly comparable GAAP-based measure) Plus: Merger and conversion related expenses 4,024 2,157 4,316 - Management believes providing certain Less: Related tax effect (291) - "non-GAAP" finan
Slide 40: Voting Results
VOTING RESULTS Presented by: Nicholas D. Klein Corporate Secretary – ENB Financial Corp 40
Slide 41: President's Final Remarks
PRESIDENT’S FINAL REMARKS Presented by: Jeffrey S. Stauffer President, CEO & Chairman of the Board – ENB Financial Corp 41
Slide 42: Retirement of Note
RETIREMENT OF NOTE Mark Wagner • Board Member 2007-2026
Slide 43: Questions & Answers
QUESTIONS & ANSWERS ENB Financial Corp