DNB Financial Corporation is a bank holding company of DNB First, National Association (the Bank). The Bank is a commercial bank providing a range of services to individuals and small to medium sized businesses in the southeastern Pennsylvania market area, including accepting time, demand, and savings deposits and making secured and unsecured commercial, real estate and consumer loans. In addition, the Bank has 12 branches and one limited service branch and a wealth management group known as DNB First Wealth Management. The Bank's financial subsidiary, DNB Financial Services, Inc., is an insurance agency, which, through a third party marketing agreement with Cetera Investment Services, LLC, sells insurance and investment products. The Bank's other subsidiaries are Downco, Inc. and DN Acquisition Company, Inc. which acquires and holds other real Estate owned acquired through foreclosure or deed in-lieu-of foreclosure, as well as Bank-occupied real estate.