{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-24-000554","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2024-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.420713+00:00","generated_at":"2026-06-03T22:11:22.500553+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ENB Financial Q1 net income $3.94M (+61.5% YoY); EPS $0.70 vs $0.43","bullets":["Basic EPS $0.70, up from $0.43; ROA 0.80% and ROE 13.40% improved vs 0.53% and 9.76%.","Net interest income fell 3.1% ($432K) on higher deposit costs; provision for credit losses released $644K vs expense of $1.257M last year.","Total assets $1.99B (+5.5%), loans $1.38B (+9.9%), deposits $1.72B (+4.3%), equity $121.9M (+15.0%).","Other income surged 63.8% driven by trust & investment fees, service fees, and mortgage gains; operating expenses rose 9.9% as salary costs increased 11.8%.","Year-over-year earnings outperformance supported by credit release, lower securities losses, and stable local economy."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-24-000554","json":"https://secwatch.observer/filing/0001174947-24-000554.json","markdown":"https://secwatch.observer/filing/0001174947-24-000554.md","text":"https://secwatch.observer/filing/0001174947-24-000554.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000554/0001174947-24-000554-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000554/form8k-32072_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T22:11:22.500553+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":"b8bd4ee3263cc813b722f0e6e345e30d537dc175","claim":"ENB Financial Corp reported first quarter of 2024 results: net income $3,941,000, EPS $0.70.","evidence_excerpt":"ENB Financial Corp Reports First Quarter 2024 Results (April 15, 2024) -- Ephrata, PA – ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the first quarter of 2024 of $3,941,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724000554/0001174947-24-000554-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2024"},{"label":"Net income","value":"$3,941,000"},{"label":"EPS","value":"$0.70"},{"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"}