---
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"
generated_at: "2026-05-15T03:46:08.973311+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q1 net income falls 6.8% to $4.0M; adjusted EPS $1.03

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1437479/000117494726000514/0001174947-26-000514-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/form8k-35788_enbf.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000514
- JSON: https://secwatch.observer/filing/0001174947-26-000514.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000514.txt

## Key facts
- Earnings Releases
  ENB Financial Corp reported the first quarter of 2026 results: net income $4,024,000, EPS $0.71.
  - Period: the first quarter of 2026
  - Net income: $4,024,000
  - EPS: $0.71
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/0001174947-26-000514-index.htm

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