Ephrata National Bank

Ephrata National Bank
Company typeSubsidiary
OTCQX: ENBP
IndustryFinancial services
FoundedJuly 1, 2008 (2008-07-01) (as ENB Financial Corp); Ephrata National Bank founded in 1881
Headquarters
31 E. Main Street, Ephrata, Pennsylvania
,
United States
Key people
  • Jeffrey S. Stauffer, Chairman, President & CEO
  • Rachel G. Bitner, CFO, Treasurer & Executive Vice President
  • Joselyn D. Strohm, Chief Operating Officer & Senior Executive VP
Products
Total assets$2.22 billion (as of 2024)
Number of employees
306 (2024)
ParentENB Financial Corp.
Websiteepnb.com

Ephrata National Bank (ENB) is an American FDIC-insured community bank headquartered in Ephrata, Pennsylvania, United States.[1] Established in 1881, ENB has locations in Lancaster, Lebanon, and Berks counties.[2] In 2025, the bank announced an agreement to acquire Elkton, Maryland-based Cecil Bank.[3][4]

History

Ephrata National Bank opened in 1881, founded with the backing of 73 investors contributing $100 each.[5] The bank's largest investor at the time, local entrepreneur William Z. Sener, served as the bank's first president.[2][6]

Ephrata National Bank is headquartered in a historic building on Main Street in Ephrata, which was designed for the bank by Lancaster architect C. Emlen Urban and completed in 1925. The building's Beaux-Arts structure is noted for its marble detailing, walnut interior trim, and 26-ton vault door.[7]

On its centennial anniversary in 1981, Ephrata National Bank added an annex connecting its original 1925 bank building with an addition that had been completed in 1960. A 2011 restoration focused on keeping the building up to date while reviving the "feel" of its original style.[7]

As branch banking grew in the latter half of the 20th century, Ephrata National Bank expanded to other Lancaster County communities including Hinkletown, Denver, Akron, and Blue Ball.[6]

In June 2025, the bank opened a location in downtown Lititz, located in the restored 1924 Lititz Springs National Bank building.[8] The bank building, featuring neoclassical architecture with Ionic columns, was also designed by C. Emlen Urban,[9] the architect of ENB's main office.

Also in 2025, the company announced an agreement to acquire Cecil Bancorp, Inc. of Elkton, Maryland, which operated four branches in Cecil County. The deal, worth around $31 million, marked ENB's first bank acquisition.[3][10][11]

Operations

ENB's customer base includes members of the local Amish and Mennonite communities, and some branches include accommodations such as horse ties and access to water for customers who travel by horse and buggy.[7]

In 2025, ENB announced that president and CEO Jeffrey Stauffer would retire. The bank's chief financial officer, Rachel Bitner, was named his successor, becoming the first woman to hold this role.[12]

Presidents

Ephrata National Bank's presidents, along with the years they served in this role, are listed below.[2]

  • William Z. Sener, 1881–1893
  • John Yundt Weidman, 1894–1896
  • Martin Landis Weidman, 1896–1929
  • J. Harry Hibshman, 1930–1964
  • S. Harold Hacker, 1964–1978
  • John Shuey, 1978–1999
  • Aaron L. Groff Jr., 1999–2019
  • Jeffrey S. Stauffer, 2020–present

J. Harry Hibshman Scholarship Fund

J. Harry Hibshman, the fourth president of Ephrata National Bank, established a scholarship fund in his will for graduating seniors of Ephrata High School, funded by the yearly dividend payments from his stock holdings.[7][13]

Hibshman, who joined ENB at age 17 as a teller, was a long-time Ephrata resident whose career at the bank spanned 75 years.[2]

The J. Harry Hibshman Scholarship Fund had total assets of approximately $4.94 million in 2024, with Ephrata National Bank serving as trustee.[13] Since 1965, the nonprofit has awarded over $32 million to 4,600 students as of 2024.[7][14]

Recognitions

In 2024, ENB was named Large Business of the Year by the Northern Lancaster County Chamber of Commerce, marking the first time it received this award.[15]

In 2025, Ephrata National Bank was included in American Banker's performance-based ranking of banks with assets between $2 billion and $10 billion, appearing within the top 200 institutions in this category.[16]

See also

References

  1. ^ "ENBP | ENB Financial Corp. Company Profile & Executives - WSJ". www.wsj.com. Retrieved December 11, 2025.
  2. ^ a b c d Brubaker, Paul W. (2006). "125 years of history: Ephrata National Bank, 1881-2006". Journal of the Historical Society of the Cocalico Valley. Vol. XXXI. Ephrata, PA: Historical Society of the Cocalico Valley. OCLC 74492442.
  3. ^ a b "ENB Financial to acquire Maryland-based bank". ABC27. August 14, 2025. Archived from the original on August 16, 2025. Retrieved December 11, 2025.
  4. ^ "Bank expands into Maryland with first acquisition". Baltimore Business Journal. August 18, 2025. Retrieved January 5, 2026.
  5. ^ Kendrick, Ashley (June 14, 2019). "Ephrata National Bank: The Grand Old Lady of Main Street". Lancaster County Magazine. Lancaster PA (published July 2019). Archived from the original on November 13, 2019. Retrieved February 3, 2026.
  6. ^ a b "Ephrata National Bank celebrates 125 years". LNP. Lancaster PA: LNP Media Group. March 23, 2006. Archived from the original on February 3, 2026. Retrieved December 11, 2025.
  7. ^ a b c d e "Celebrate Ephrata: Pay a visit to 'The Grand Lady of Main Street' – Historic Preservation Trust of Lancaster County". Retrieved December 11, 2025.
  8. ^ Gruver, Ed (June 20, 2025). "ENB opens Lititz branch in historic downtown building". Central Penn Business Journal. Retrieved December 11, 2025.
  9. ^ Scott, Gregory J. (October 13, 2023). "'I' for ionic: Column design is one of 3 neoclassical types you'll spot around Lancaster [architecture column]". LancasterOnline. Retrieved December 11, 2025.
  10. ^ "ENB Financial to acquire Maryland-based bank". Ephrata Review. Retrieved December 3, 2025.
  11. ^ Bellmyer, Jane (September 24, 2025). "Leadership of Ephrata National Bank has big plans for Cecil Bank". Cecil Whig. Archived from the original on September 24, 2025. Retrieved January 5, 2026.
  12. ^ Umble, Chad (July 24, 2025). "Ephrata National Bank president announces retirement plans, current CFO named successor". LancasterOnline. Retrieved December 11, 2025.
  13. ^ a b "J Harry Hibshman Scholarship Fund - Nonprofit Explorer - Annual Return". ProPublica. May 9, 2013. Retrieved January 5, 2026.
  14. ^ Myers, Christine (March 11, 2024). "Community Building through Community Banking at Ephrata National Bank". Mainspring of Ephrata. Retrieved January 5, 2026.
  15. ^ "ENB named Large Business of the Year". TownLively. December 5, 2024. Archived from the original on February 3, 2026. Retrieved January 5, 2026.
  16. ^ "The 20 top-performing banks with $2B to $10B of assets". American Banker. July 11, 2025. Retrieved January 5, 2026.
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