secwatch.observer — SEC 8-K summary
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Issuer:     ENB Financial Corp (ENBP)
CIK:        0001437479
Form:       8-K
Filed at:   2026-07-27T13:22:27+00:00
Accession:  0001174947-26-000705
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1437479/000117494726000705/0001174947-26-000705-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1437479/000117494726000705/form8k-36133_enbf.htm
  HTML page:      https://secwatch.observer/filing/0001174947-26-000705

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