{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-23-000582","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2023-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.869846+00:00","generated_at":"2026-06-17T00:39:27.536329+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 Q1 net income falls 23.5% to $2.44M; EPS $0.43 vs $0.57","bullets":["EPS $0.43 vs $0.57 YoY; net income down $750K to $2.44M.","Net interest income up 28.8% but interest expense on deposits surged 487.6%.","Provision for credit losses $1.257M vs $100K, partly from CECL adoption and $5M loan downgrade.","Other income fell 27.8% due to lower mortgage gains and $606K investment losses.","Total loans grew 32.2% to $1.26B; equity down 8.7% on portfolio unrealized losses."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-23-000582","json":"https://secwatch.observer/filing/0001174947-23-000582.json","markdown":"https://secwatch.observer/filing/0001174947-23-000582.md","text":"https://secwatch.observer/filing/0001174947-23-000582.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723000582/0001174947-23-000582-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723000582/form8k-29968_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T00:39:27.536329+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":"44d688435c976f334469730c4be0252449e2e7d6","claim":"ENB Financial Corp reported first quarter of 2023 results: net income $2,441,000, EPS $0.43.","evidence_excerpt":"ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the first quarter of 2023 of $2,441,000, a $750,000, or 23.5% decrease, from the $3,191,000 earned during the first quarter of 2022. Basic and diluted earnings per share for the first quarter of 2023 were $0.43 compared to $0.57 for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723000582/0001174947-23-000582-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2023"},{"label":"Net income","value":"$2,441,000"},{"label":"EPS","value":"$0.43"},{"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"}