secwatch.observer — SEC 8-K summary
======================================

Issuer:     ENB Financial Corp (ENBP)
CIK:        0001437479
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0001174947-25-000056
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1437479/000117494725000056/0001174947-25-000056-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1437479/000117494725000056/form8k-33434_enbf.htm
  HTML page:      https://secwatch.observer/filing/0001174947-25-000056

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer