{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000514","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2026-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.289831+00:00","generated_at":"2026-05-15T03:46:08.973311+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 Q1 net income falls 6.8% to $4.0M; adjusted EPS $1.03","bullets":["Net income $4.024M ($0.71 diluted) vs $4.316M ($0.76) in Q1 2025, down 6.8%.","Adjusted net income $5.890M ($1.03 diluted) excludes $1.866M of merger-related expenses.","Completed acquisition of Cecil Bancorp on Feb 1, 2026; added $147.4M loans and $186.4M deposits.","Net interest income rose 12.8% to $2.152M; provision for credit losses released $22k vs expense $486k in prior year.","Total assets $2.42B up 9.2%; ROA 0.70% and ROE 9.92% both down from 0.80% and 13.03% in Q1 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000514","json":"https://secwatch.observer/filing/0001174947-26-000514.json","markdown":"https://secwatch.observer/filing/0001174947-26-000514.md","text":"https://secwatch.observer/filing/0001174947-26-000514.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/0001174947-26-000514-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/form8k-35788_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T03:46:08.973311+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":[{"claim_id":"64f6a0c69fc501ef52b42f6de2ef8536c523d2fb","claim":"ENB Financial Corp reported the first quarter of 2026 results: net income $4,024,000, EPS $0.71.","evidence_excerpt":"ENB Financial Corp Reports First Quarter 2026 Results (April 24, 2026) -- Ephrata, PA – ENB Financial Corp (OTCQX: ENBP), the bank holding company for Ephrata National Bank, reports net income for the first quarter of 2026 of $4,024,000 a $292,000, or a 6.8% decrease, from the $4,316,000 earned during the first quarter of 2025. Basic and diluted earnings per share for the first quarter of 2026 were $0.71 compared to $0.76 for the same period in 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/0001174947-26-000514-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$4,024,000"},{"label":"EPS","value":"$0.71"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}