{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-24-000063","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.189709+00:00","generated_at":"2026-06-06T21:12:58.764946+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 Q4 net income down 7.2% to $4.5M; EPS $0.80 vs $0.88","bullets":["Net income $4.524M ($0.80 EPS) vs $4.873M ($0.88 EPS) in Q4 2022; full-year net income $12.375M ($2.19 EPS), down 15.4%.","Net interest income fell 7.5% in quarter on a 209.8% surge in deposit and borrowing interest expense.","Provision for credit losses released $1.048M in Q4 vs no provision in prior-year quarter; allowance ratio 1.12%.","Total assets $2.00B (+7.6%), loans $1.36B (+14.2%), deposits $1.73B (+5.4%), equity $119.7M (+22.9%).","Annualized ROA slipped to 0.92% from 1.05%; ROE to 17.98% from 21.73% in Q4 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-24-000063","json":"https://secwatch.observer/filing/0001174947-24-000063.json","markdown":"https://secwatch.observer/filing/0001174947-24-000063.md","text":"https://secwatch.observer/filing/0001174947-24-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/0001174947-24-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/form8k-31371_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:12:58.764946+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":"905a9cabc1da72e8b2ca7fa2f4cbbbaee1e5afb0","claim":"ENB Financial Corp reported the fourth quarter of 2023 results: net income $4,524,000, EPS $0.80.","evidence_excerpt":"Basic and diluted earnings per share for the fourth quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/0001174947-24-000063-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2023"},{"label":"Net income","value":"$4,524,000"},{"label":"EPS","value":"$0.80"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"faa614e90c29f70036840768a3a81da4ffa743c5","claim":"ENB Financial Corp reported the twelve months ended December 31, 2023 results: net income $12,375,000, EPS $2.19.","evidence_excerpt":"Net income for the twelve months ended December 31, 2023, was $12,375,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/0001174947-24-000063-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2023"},{"label":"Net income","value":"$12,375,000"},{"label":"EPS","value":"$2.19"},{"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"}