---
schema_version: "secwatch.filing_event.v1"
accession: "0001174947-23-000025"
form_type: "8-K"
ticker: "ENBP"
cik: "0001437479"
company_name: "ENB Financial Corp"
filed_at: "2023-01-20T23:59:59+00:00"
generated_at: "2026-06-20T12:21:49.116627+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q4 net income up 79% to $4.87M; full-year net income down 2%

## Summary
- Q4 2022 net income $4.87M ($0.88 EPS) vs $2.72M ($0.49 EPS) in Q4 2021.
- Full-year 2022 net income $14.63M ($2.62 EPS) vs $14.92M ($2.68 EPS) in 2021.
- Net interest income rose 35.7% in Q4 and 24.7% for the year; no loan loss provision in Q4.
- Total loans grew 29.3% to $1.19B; stockholders' equity fell 29.1% to $97.3M due to unrealized losses.
- Q4 ROA 1.05% (up from 0.66%) and ROE 21.73% (up from 7.99%) compared to year-ago quarter.

## SEC filing metadata
- accession: 0001174947-23-000025
- form_type: 8-K
- ticker: ENBP
- cik: 0001437479
- company_name: ENB Financial Corp
- filed_at: 2023-01-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1437479/000117494723000025/0001174947-23-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437479/000117494723000025/form8k-29266_enbf.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-23-000025
- JSON: https://secwatch.observer/filing/0001174947-23-000025.json
- Plain text: https://secwatch.observer/filing/0001174947-23-000025.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported fourth quarter of 2022 results: net income 4,873,000, EPS 0.88.
  - Period: fourth quarter of 2022
  - Net income: 4,873,000
  - EPS: 0.88
  - Result: reported results
  source text: ENB Financial Corp Reports Fourth Quarter 2022 Results (January 19, 2023) -- Ephrata, PA – ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the fourth quarter of 2022 of $4,873,000, a $2,152,000, or 79.1% increase, from the $2,721,000 earned during the fourth quarter of 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494723000025/0001174947-23-000025-index.htm

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