{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000705","form_type":"8-K","ticker":"ENBP","cik":"0001437479","company_name":"ENB Financial Corp","filed_at":"2026-07-27T13:22:27+00:00","discovered_at":"2026-07-27T13:23:00.671035+00:00","generated_at":"2026-07-27T13:26:14.454482+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ENB Financial Q2 net income falls 1.8% to $5.7M; adjusted EPS $1.22 vs $1.00 reported","bullets":["Net income $5.704M ($1.00 EPS) vs $5.810M ($1.02) in Q2 2025; YTD net income $9.728M ($1.71) down 3.9%.","Completed Cecil Bancorp acquisition Feb 1, 2026; added $147.4M loans, $186.4M deposits; merger expenses $1.24M after tax in Q2.","Adjusted net income (ex-merger charges) $6.944M ($1.22 EPS) for Q2; net interest income up 17.7%.","Provision for credit losses released $462,000 vs expense of $126,000 in prior year; allowance 1.11% of loans.","Total assets $2.39B (+7.4%), loans $1.67B (+14.2%), deposits $2.02B (+6.4%), equity $171.5M (+23.0%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000705","json":"https://secwatch.observer/filing/0001174947-26-000705.json","markdown":"https://secwatch.observer/filing/0001174947-26-000705.md","text":"https://secwatch.observer/filing/0001174947-26-000705.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000705/0001174947-26-000705-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000705/form8k-36133_enbf.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T13:26:14.454482+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}