---
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"
generated_at: "2026-05-27T19:00:35.219137+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Corp Q4 net income down 17.6% to $3.7M; EPS $0.66 vs $0.80

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-25-000056
- JSON: https://secwatch.observer/filing/0001174947-25-000056.json
- Plain text: https://secwatch.observer/filing/0001174947-25-000056.txt

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