{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-24-001152","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.452492+00:00","generated_at":"2026-05-30T11:35:16.641301+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ENB Financial Q3 2024 net income down 7.7% to $3.34M; EPS $0.59 vs $0.64 YoY","bullets":["Net income $3.34M in Q3 2024, down 7.7% vs Q3 2023; YTD net income $11.59M, up 47.6%.","Provision for credit losses $497K in Q3 2024 vs release of $504K in Q3 2023 due to classified loan uptick.","Net interest income up $812K (6.1%) in Q3; deposit interest expense jumped 39.8% from competitive rate pressure.","Operating expenses up 8.4% in Q3; salary & benefits rose 17.6% due to competitive hiring market.","Total assets $2.09B, up 9.6% YoY; deposits $1.82B, up 9.3%; equity $135.2M, up 38.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-24-001152","json":"https://secwatch.observer/filing/0001174947-24-001152.json","markdown":"https://secwatch.observer/filing/0001174947-24-001152.md","text":"https://secwatch.observer/filing/0001174947-24-001152.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724001152/0001174947-24-001152-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494724001152/form8k-33036_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:35:16.641301+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}