{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-082283","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.922446+00:00","generated_at":"2026-06-13T06:20:31.462528+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ENB Financial Q2 net income down 29.7% to $1.8M; EPS $0.32 vs $0.46","bullets":["Net income $1.797M vs $2.558M in Q2 2022; basic EPS $0.32 vs $0.46.","Net interest income +14.1% to $1.683M, but interest expense surged 578% on rate pressure.","Provision for credit losses $815K (up from $650K); adopted CECL with $105M loan growth.","Non-interest income fell 19.8% due to $954K realized securities losses to fund loans.","Annualized ROA dropped to 0.39% from 0.60%; ROE to 6.85% from 9.55%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-082283","json":"https://secwatch.observer/filing/0001104659-23-082283.json","markdown":"https://secwatch.observer/filing/0001104659-23-082283.md","text":"https://secwatch.observer/filing/0001104659-23-082283.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/0001104659-23-082283-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/tm2321636d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:20:31.462528+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"0d6d1cbbdddfed94f3c05233a1b8a146aebe04b6","claim":"ENB Financial Corp reported Q2 2023 results: EPS $0.32.","evidence_excerpt":"ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the second quarter of 2023 of $1,797,000, a $761,000, or 29.7% decrease, from the $2,558,000 earned during the second quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/0001104659-23-082283-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Q2 2023"},{"label":"EPS","value":"$0.32"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"0d6d1cbbdddfed94f3c05233a1b8a146aebe04b6","claim":"ENB Financial Corp reported Q2 2023 results: EPS $0.32.","evidence_excerpt":"Basic and diluted earnings per share for the second quarter of 2023 and 2022 were $0.32 and $0.46, respectively","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/0001104659-23-082283-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Q2 2023"},{"label":"EPS","value":"$0.32"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}