ENB Financial Corp (ENBP) plans $20M note redemption using $42.5M subordinated debt

Rhea-AI Filing Summary

ENB Financial Corp plans to redeem all of its outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030 on January 31, 2026. These notes have an aggregate principal amount of $20,000,000, and the redemption price will equal 100% of principal plus accrued and unpaid interest up to, but not including, the redemption date.

The company states it will use excess cash on hand to fund the redemption, with that cash arising from the issuance of $42,500,000 in new subordinated debt. This transaction effectively replaces one debt instrument with another while retiring the existing notes earlier than their stated maturity.

Insights

Bank capital structure analyst

ENB Financial is refinancing $20,000,000 of notes using cash from $42,500,000 of new subordinated debt.

ENB Financial Corp intends to redeem all of its 4.00% Fixed to Floating Rate Notes due December 31, 2030 on January 31, 2026. The notes total $20,000,000 in principal and will be redeemed at 100% of principal plus accrued and unpaid interest to the redemption date, which simplifies the company’s outstanding debt profile.

The company indicates it will fund the redemption with excess cash that resulted from issuing $42,500,000 in new subordinated debt. This shifts the composition of liabilities from the redeemed notes to the newer subordinated instrument, which may affect interest expense, regulatory capital treatment, and maturity profile, depending on the detailed terms of the new debt.

Investors can focus on how this redemption on January 31, 2026 and the related subordinated debt influence overall funding costs and leverage in future financial statements, alongside any disclosed terms of the new subordinated issuance.

8-K Event Classification

Item 8.01 — Other Events

1 item

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

______________

Date of Report (Date of earliest event reported): December 22, 2025

ENB Financial Corp

(Exact name of Registrant as specified in its charter)

Pennsylvania		000-53297		51-0661129
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

31 E. Main St., Ephrata, PA		17522-0457
(Address of principal executive offices)		(Zip Code)

(717) 733-4181

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
None		N/A		N/A

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

CURRENT REPORT ON FORM 8-K

Item 8.01 Other Events

On December 22, 2025, ENB Financial Corp (the "Company") notified holders that the Company will redeem on January 31, 2026 (the "Redemption Date") all of the Company's outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030, having an aggregate principal amount of $20,000,000 (the "Notes"), in accordance with the terms of the Notes. The total redemption price will be 100% of the aggregate principal amount of the Notes, plus accrued and unpaid interest to but excluding the Redemption Date. The Company will utilize excess cash on hand for the redemption payment, which resulted from the issuance of $42,500,000 in new subordinated debt.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned, thereunto duly authorized.

	ENB FINANCIAL CORP
	(Registrant)
Dated: December 23, 2025	/s/ Douglas P. Barton
	Douglas P. Barton
	Executive Vice President/Chief Financial Officer and Treasurer (Principal Financial Officer)

FAQ

What did ENB Financial Corp (ENBP) announce in this 8-K?

ENB Financial Corp announced that it will redeem all of its outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030, with a total principal amount of $20,000,000.

When will ENB Financial Corp redeem its 4.00% Fixed to Floating Rate Notes?

The company plans to redeem the notes on January 31, 2026, which is defined as the redemption date in the disclosure.

What is the redemption price for ENB Financial Corp’s 4.00% notes?

The total redemption price will be 100% of the aggregate principal amount of the notes, plus accrued and unpaid interest to but excluding the January 31, 2026 redemption date.

How much of these notes are outstanding at ENB Financial Corp?

The outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030 have an aggregate principal amount of $20,000,000.

How will ENB Financial Corp fund the redemption of its notes?

The company states it will use excess cash on hand to fund the redemption, and that this cash resulted from the issuance of $42,500,000 in new subordinated debt.

What type of debt did ENB Financial Corp issue to create excess cash?

ENB Financial Corp indicates that the excess cash used for the redemption comes from the issuance of $42,500,000 in new subordinated debt.