---
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"
generated_at: "2026-06-06T21:12:58.764946+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q4 net income down 7.2% to $4.5M; EPS $0.80 vs $0.88

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1437479/000117494724000063/0001174947-24-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/form8k-31371_enbf.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-24-000063
- JSON: https://secwatch.observer/filing/0001174947-24-000063.json
- Plain text: https://secwatch.observer/filing/0001174947-24-000063.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported the fourth quarter of 2023 results: net income $4,524,000, EPS $0.80.
  - Period: the fourth quarter of 2023
  - Net income: $4,524,000
  - EPS: $0.80
  - Result: reported results
  source text: Basic and diluted earnings per share for the fourth quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/0001174947-24-000063-index.htm
- Earnings Releases
  ENB Financial Corp reported the twelve months ended December 31, 2023 results: net income $12,375,000, EPS $2.19.
  - Period: the twelve months ended December 31, 2023
  - Net income: $12,375,000
  - EPS: $2.19
  - Result: reported results
  source text: Net income for the twelve months ended December 31, 2023, was $12,375,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494724000063/0001174947-24-000063-index.htm

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