DNB Financial Corporation is the holding company for DNB First, a bank with about a dozen branches in Chester and Delaware counties in southeastern Pennsylvania. Founded in 1861, the bank serves area consumers, but mainly lends to small and midsized businesses, with mortgages secured by commercial property (approximately 35% of its loan portfolio), commercial operating loans (more than 25%), and equipment leases representing most of its financing activity. The bank also writes residential mortgages and consumer loans. Deposit products include checking, savings, and money market accounts.