secwatch.observer — SEC 8-K summary
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Issuer:     ENB Financial Corp (ENBP)
CIK:        0001437479
Form:       8-K
Filed at:   2026-04-27T23:59:59+00:00
Accession:  0001174947-26-000514
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/0001174947-26-000514-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1437479/000117494726000514/form8k-35788_enbf.htm
  HTML page:      https://secwatch.observer/filing/0001174947-26-000514

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