{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-23-001209","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.079144+00:00","generated_at":"2026-06-09T21:47:46.897843+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ENB Financial Corp Q3 net income down 9.9% to $3.6M; EPS $0.64 vs $0.71","bullets":["Net income $3.613M for Q3 2023, down 9.9% YoY; nine-month net income $7.851M, down 19.5%.","Basic/diluted EPS $0.64 for Q3 vs $0.71; YTD EPS $1.39 vs $1.74.","Net interest income declined 1.7% for quarter; provision for credit losses released $504,000.","Operating expenses rose 13.2% for quarter and 14.9% YTD on higher salaries, benefits, tech costs.","Loans grew 19.8% to $1.34B; deposits up 1.8%; ROA decreased to 0.75% from 0.89%."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-23-001209","json":"https://secwatch.observer/filing/0001174947-23-001209.json","markdown":"https://secwatch.observer/filing/0001174947-23-001209.md","text":"https://secwatch.observer/filing/0001174947-23-001209.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/0001174947-23-001209-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/form8k-30930_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:47:46.897843+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":"4a0b8df4cd372312c4d60ac853d7efe4340c20dd","claim":"ENB Financial Corp reported the third quarter of 2023 results: net income $3,613,000, EPS $0.64.","evidence_excerpt":"ENB Financial Corp Reports Third Quarter 2023 Results (October 17, 2023) -- Ephrata, PA – ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the third quarter of 2023 of $3,613,000, a $396,000, or 9.9% decrease, from the $4,009,000 earned during the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/0001174947-23-001209-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"$3,613,000"},{"label":"EPS","value":"$0.64"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d6e18dafc39468e3fbab824aa5e3a6c56a90a917","claim":"ENB Financial Corp reported the nine months ended September 30, 2023 results: net income $7,851,000, EPS $1.39.","evidence_excerpt":"Net income for the nine months ended Sepember 30, 2023, was $7,851,000, a $1,907,000, or 19.5% decrease, from the $9,758,000 earned for the nine months ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/0001174947-23-001209-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$7,851,000"},{"label":"EPS","value":"$1.39"},{"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"}