{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-000056","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.627633+00:00","generated_at":"2026-05-27T19:00:35.219137+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"ENB Financial Corp Q4 net income down 17.6% to $3.7M; EPS $0.66 vs $0.80","bullets":["Net income $3.726M for Q4 2024, down $798K (17.6%) from Q4 2023; full-year income $15.317M, up 23.8%.","Diluted EPS $0.66 for Q4 vs $0.80 prior year; year-to-date EPS $2.71 vs $2.19.","Net interest income up 15% in Q4, but provision for credit losses increased to $1.369M vs a release of $1.048M in Q4 2023.","ROA fell to 0.69% from 0.92%; ROE fell to 11.11% from 17.98% for Q4; full-year ROA improved to 0.75% from 0.65%.","Total assets $2.22B (+10.9%), loans $1.43B (+4.9%), deposits $1.89B (+9.5%) as of Dec 31, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-000056","json":"https://secwatch.observer/filing/0001174947-25-000056.json","markdown":"https://secwatch.observer/filing/0001174947-25-000056.md","text":"https://secwatch.observer/filing/0001174947-25-000056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494725000056/0001174947-25-000056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494725000056/form8k-33434_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T19:00:35.219137+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"}