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ENB Financial Corp reported stable profitability for the quarter ended June 30, 2026 while integrating a significant acquisition. Quarterly net income was $5.7 million, slightly below $5.8 million a year earlier, and basic and diluted EPS were $1.00 versus $1.02. For the first six months, net income was $9.7 million compared with $10.1 million, with EPS of $1.71 versus $1.79.
Core performance strengthened: quarterly net interest income rose to $20.8 million from $17.7 million, aided by loan growth to $1.67 billion from $1.52 billion at year-end, and the company recorded a $0.5 million release of credit loss provisions for the quarter. Total assets increased to $2.39 billion, and deposits to $2.02 billion.
On February 1, 2026, ENB completed the $31.3 million cash acquisition of Cecil Bancorp, Inc., adding $211.7 million of identifiable assets and resulting in $6.7 million of goodwill and a $2.7 million core deposit intangible. Integration costs weighed on expenses: total operating expenses rose to $18.3 million from $13.9 million in the quarter, including $1.6 million in merger and conversion-related charges. Asset quality metrics remained stable with nonperforming loans of $9.0 million, and the allowance for credit losses increased to $18.5 million.
ENB Financial Corp director Roger L Zimmerman purchased 500 shares of Common Stock on 2026-08-06 at $29.48 per share in an open-market or private transaction. Following this purchase, his directly held position increased to 5,064 shares. The transaction was not reported under a Rule 10b5-1 trading plan.
ENB Financial Corp reported second quarter 2026 net income of $5,704,000, a 1.8% decline from $5,810,000 a year earlier, and six‑month net income of $9,728,000, down 3.9%. Diluted earnings per share were $1.00 for the quarter and $1.71 year‑to‑date, versus $1.02 and $1.79 in 2025.
Results reflect the February 1, 2026 acquisition of Cecil Bancorp, which added loans and deposits but generated $1,561,000 in merger and conversion-related expenses in the quarter. Excluding these non‑recurring costs, adjusted net income (non‑GAAP) was $6,944,000 and adjusted diluted EPS were $1.22 for the quarter.
Net interest income rose 17.7% year over year in the quarter on 21.9% higher loan interest, while noninterest income grew 13.4%. Operating expenses increased 31.2% as the company staffed new branches, invested in technology, and incurred integration costs. At June 30, 2026, total assets were $2.39 billion, loans $1.67 billion, deposits $2.02 billion, and tangible book value per share was $28.49.
ENB Financial Corp declared a third quarter 2026 cash dividend of $0.18 per share. The dividend is payable on September 15, 2026 to shareholders of record as of August 14, 2026, and matches the cash dividends paid for the first and second quarters of 2026.
The dividend applies to each share of ENB Financial Corp common stock owned as of the record date. ENB Financial Corp is the bank holding company for its wholly owned subsidiary Ephrata National Bank, which operates from eighteen full-service locations in Pennsylvania and Maryland.
ENB Financial Corp Chief Operating Officer Joselyn D. Strohm exercised restricted stock units into common stock as part of her equity compensation. On June 4, 2026, 479 restricted stock units vested and converted into 479 shares of common stock, representing the third and final installment of a 2023 award that vested at 33 1/3% annually. Following this vesting, Strohm directly holds 1,650.2928 shares of ENB Financial common stock. The filing shows a routine compensation-related equity vesting with no open-market stock sales.
ENB Financial Corp reported Q1 2026 results with stable profitability while integrating its Cecil Bancorp acquisition. Net income was $4,024 thousand versus $4,316 thousand a year earlier, and basic and diluted EPS were $0.71 compared with $0.76.
Total assets rose to $2,424,338 thousand as of March 31, 2026, driven by loan growth to $1,647,855 thousand and securities of $564,075 thousand. Deposits increased to $2,066,348 thousand. The Cecil transaction, valued at $31,329 thousand, added net loans of $145,402 thousand, a core deposit intangible of $2,746 thousand and goodwill of $6,712 thousand.
Credit quality remained controlled: nonperforming loans were $13,823 thousand and the allowance for credit losses increased to $18,981 thousand. Operating expenses rose to $18,284 thousand, including $2,157 thousand of merger and conversion related expenses, while net interest income improved to $18,929 thousand.
ENB Financial Corp reported 2026 annual meeting results and highlighted strong recent performance. Shareholders elected three Class C directors and ratified S.R. Snodgrass, P.C. as auditor with 4,437,667 votes for and 27,395 against. Management presented record 2025 net income of $21.6m, up 40.8%, with return on average equity of 15.17% and diluted EPS of $3.80. Total assets reached $2.26B at year-end 2025 and deposits were $1.87B. The company also closed its first acquisition, buying Cecil Bancorp, Inc. and Cecil Bank on February 1, 2026. For Q1 2026, net income was $4.0m GAAP and $5.9m on a non-GAAP basis, with adjusted diluted EPS of $1.03.
ENB Financial Corp reported first quarter 2026 net income of $4.024M, a 6.8% decrease from $4.316M a year earlier, with EPS of $0.71 versus $0.76.
Results were heavily influenced by the February 1 acquisition of Cecil Bancorp. The deal added net assets of $24.617M, including loans of $147.4M and deposits of $186.384M. Merger and conversion-related expenses totaled $1.866M after tax; excluding these, adjusted net income was $5.89M and adjusted EPS was $1.03.
Net interest income rose 12.8% to $18.929M, as loan interest income increased 16.0%. Total operating expenses climbed 27.7%, reflecting added branches, dual systems, and merger costs. ROA slipped to 0.70% and ROE to 9.92%. As of March 31, 2026, total assets were $2.424B, loans $1.648B, deposits $2.066B, and equity $163.4M.
ENB Financial Corp filed an amendment to its current report to add required financial information for its acquisition of Cecil Bancorp, Inc., which closed effective February 1, 2026. The amendment supplies Cecil’s audited 2023–2024 statements and unaudited pro forma financials for ENB.
Cecil is a community bank operating in Maryland with $223.5 million in total assets and $190.9 million in deposits as of December 31, 2024. Loans totaled $168.5 million and stockholders’ equity $28.6 million. Cecil earned $190 thousand of net income in 2024, down from $591 thousand in 2023, as higher interest expense and a $806 thousand fraud loss offset $11.9 million of interest income and a $778 thousand insurance recovery. Comprehensive income was $112 thousand in 2024.
ENB Financial Corp declared a $0.18 per share second quarter cash dividend on April 15, 2026. The dividend matches the amount paid in the first quarter of 2026, indicating a continuation of the company’s recent payout level. Shareholders of record on May 15, 2026 will receive the dividend, which is payable on June 15, 2026. Each shareholder will receive $0.18 for every share of ENB Financial Corp common stock owned as of the record date.