---
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"
generated_at: "2026-06-09T21:47:46.897843+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Corp Q3 net income down 9.9% to $3.6M; EPS $0.64 vs $0.71

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-23-001209
- JSON: https://secwatch.observer/filing/0001174947-23-001209.json
- Plain text: https://secwatch.observer/filing/0001174947-23-001209.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported the third quarter of 2023 results: net income $3,613,000, EPS $0.64.
  - Period: the third quarter of 2023
  - Net income: $3,613,000
  - EPS: $0.64
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/0001174947-23-001209-index.htm
- Earnings Releases
  ENB Financial Corp reported the nine months ended September 30, 2023 results: net income $7,851,000, EPS $1.39.
  - Period: the nine months ended September 30, 2023
  - Net income: $7,851,000
  - EPS: $1.39
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494723001209/0001174947-23-001209-index.htm

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