---
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"
generated_at: "2026-07-27T13:26:14.454482+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ENB Financial Q2 net income falls 1.8% to $5.7M; adjusted EPS $1.22 vs $1.00 reported

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000705
- JSON: https://secwatch.observer/filing/0001174947-26-000705.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000705.txt

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