---
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"
generated_at: "2026-06-13T06:20:31.462528+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q2 net income down 29.7% to $1.8M; EPS $0.32 vs $0.46

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-082283
- JSON: https://secwatch.observer/filing/0001104659-23-082283.json
- Plain text: https://secwatch.observer/filing/0001104659-23-082283.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported Q2 2023 results: EPS $0.32.
  - Period: Q2 2023
  - EPS: $0.32
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/0001104659-23-082283-index.htm
- Earnings Releases
  ENB Financial Corp reported Q2 2023 results: EPS $0.32.
  - Period: Q2 2023
  - EPS: $0.32
  - Result: reported results
  source text: Basic and diluted earnings per share for the second quarter of 2023 and 2022 were $0.32 and $0.46, respectively
  evidence_url: https://www.sec.gov/Archives/edgar/data/1437479/000110465923082283/0001104659-23-082283-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.