ENB Financial Corp (ENBP): debt financing — ENB Financial Corp issues $42.5M of 6.50% subordinated notes due 2035; appoints CEO Elect

ENB Financial Corp

Issued $42.5M aggregate principal 6.50% fixed-to-floating subordinated notes due Dec 31, 2035; fixed rate for 5 years then SOFR+306bps.
Proceeds for general corporate purposes, including funding acquisitions (e.g., Cecil Bancorp) and possible redemption of existing 4.00% notes due 2030.
Appointed Rachel G. Bitner as President and CEO Elect and director of company and bank, effective Dec 17, 2025.
Slide deck highlights pending acquisition of Cecil Bancorp (announced Aug 2025) expected close Q1 2026, projected high-teens EPS accretion.
Company reports strong asset quality: NPAs/assets <0.75% and NCOs <0.05% for over 10 years.

item 1.01 item 2.03 item 5.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

ENB Financial Corp incurred senior notes of $42,500,000 in aggregate principal amount with institutional accredited investors and qualified institutional buyers at 6.50% maturing December 31, 2035.

Instrument: senior notes
Principal: $42,500,000 in aggregate principal amount
Counterparty: institutional accredited investors and qualified institutional buyers
Rate: 6.50%
Maturity: December 31, 2035
Event: incurrence

Exact text from the filing

On December 17, 2025, ENB Financial Corp (the "Company") entered into Subordinated Note Purchase Agreements (the "Purchase Agreements") with certain institutional accredited investors and qualified institutional buyers (the "Purchasers") pursuant to which the Company sold and issued $42,500,000 in aggregate principal amount of its 6.50% fixed to floating rate subordinated notes due December 31, 2035 (the "Notes").

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Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.9

ENB Financial Corp entered into Subordinated Note Purchase Agreements with certain institutional accredited investors and qualified institutional buyers valued at $42,500,000 (effective 2025-12-17).

Action: entry
Agreement: notes offering
Counterparty: certain institutional accredited investors and qualified institutional buyers
Value: $42,500,000
Effective: 2025-12-17

Exact text from the filing

On December 17, 2025, ENB Financial Corp (the “Company”) entered into Subordinated Note Purchase Agreements (the “Purchase Agreements”) with certain institutional accredited investors and qualified institutional buyers (the “Purchasers”) pursuant to which the Company sold and issued $42,500,000 in aggregate principal amount of its 6.50% fixed to floating rate subordinated notes due December 31, 2035 (the “Notes”).

View on SEC.gov

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ENB Financial Corp filing history →

Source: SEC EDGAR

accession 0001174947-25-001454

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