ENB Financial Corp Q4 net income $5.5M ($0.97 EPS), up 48% YoY

ENB Financial Corp

2025-FY EPS reported $3.80

Q4 net income $5.5M ($0.97 diluted EPS) vs $3.7M ($0.66) a year ago, up 48%; full-year EPS $3.80.
Net interest income rose 18.0% in Q4 and 21.1% in FY 2025; provision for credit losses fell to $255K from $1.37M.
Operating expenses increased 10.0% in Q4 due to tech investments and $698K in Cecil Bank acquisition costs (expected close Q1 2026).
Total assets $2.26B (+1.7%), gross loans $1.52B (+6.2%), deposits $1.87B (-0.9%), equity $161M (+23%).

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