---
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"
generated_at: "2026-05-30T11:35:16.641301+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q3 2024 net income down 7.7% to $3.34M; EPS $0.59 vs $0.64 YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-24-001152
- JSON: https://secwatch.observer/filing/0001174947-24-001152.json
- Plain text: https://secwatch.observer/filing/0001174947-24-001152.txt

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