---
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"
generated_at: "2026-06-03T22:11:22.500553+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q1 net income $3.94M (+61.5% YoY); EPS $0.70 vs $0.43

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-24-000554
- JSON: https://secwatch.observer/filing/0001174947-24-000554.json
- Plain text: https://secwatch.observer/filing/0001174947-24-000554.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported first quarter of 2024 results: net income $3,941,000, EPS $0.70.
  - Period: first quarter of 2024
  - Net income: $3,941,000
  - EPS: $0.70
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494724000554/0001174947-24-000554-index.htm

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