Every 8-K that ENB FINANCIAL CORP PA (ENBP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow ENBP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ENBP filings page.
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 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.
ENB Financial Corp completed its previously announced acquisition of Cecil Bancorp, Inc. on February 1, 2026. ENB acquired Cecil through a merger of ENB South Acquisition Subsidiary into Cecil, making Cecil a wholly owned subsidiary, followed by Cecil’s liquidation and dissolution.
Immediately after this step, Cecil Bank merged into The Ephrata National Bank, ENB’s existing bank subsidiary, with Ephrata as the surviving bank. Each outstanding share of Cecil common stock was converted into the right to receive $1.88 in cash, and all outstanding, unexercised Cecil stock options were redeemed for cash. ENB issued an aggregate of approximately $31.3 million in cash in the merger.
ENB Financial Corp filed a current report to alert investors that it has released its earnings results for the fourth quarter of 2025. The company issued a press release on January 21, 2026, which is attached to the filing as Exhibit 99 and incorporated by reference. This press release contains the detailed financial and operating results for the period, while the report itself mainly serves as a formal notification of the earnings release.
ENB Financial Corp declared a 1st quarter cash dividend of $0.18 per share. The dividend will be paid on March 13, 2026 to shareholders who are on record as of February 13, 2026. The company also issued a press release on January 21, 2026 describing this dividend, which is included as an exhibit to the report.
ENB Financial Corp reported that it and its wholly owned subsidiary, The Ephrata National Bank, have received all required stockholder and regulatory approvals or waivers for the proposed acquisition of Cecil Bancorp, Inc. and its subsidiary, Cecil Bank. This means the necessary shareholders and oversight bodies have agreed or granted waivers so the banks can move forward toward closing the transaction, subject to any remaining conditions in the acquisition agreements.
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.
ENB Financial Corp entered into subordinated note purchase agreements with institutional investors and sold $42,500,000 of 6.50% fixed-to-floating rate subordinated notes due December 31, 2035 at 100% of face value. The notes pay a 6.50% fixed rate until December 31, 2030, then reset quarterly to the three month term SOFR plus 306 basis points and are redeemable at the company’s option at par, with accrued interest, generally beginning December 17, 2030. They are unsecured, rank junior to senior debt and are intended to qualify as Tier 2 capital. The company plans to use net proceeds for general corporate purposes, including acquisitions, growth initiatives, capital contributions to The Ephrata National Bank and potentially redeeming its 4.00% fixed-to-floating notes due December 31, 2030.
The notes were privately placed under Section 4(a)(2) and Rule 506(b) of Regulation D and are not convertible into other securities. The boards also appointed Rachel G. Bitner, President and Chief Executive Officer Elect, as a Class C director of the company and the bank, to serve until the 2026 annual meeting of shareholders.
ENB Financial Corp appointed Douglas P. Barton, CPA as Executive Vice President, Chief Financial Officer and Treasurer of both the Corporation and its wholly owned subsidiary, The Ephrata National Bank. Barton, age 61, previously served as Senior Vice President Director of Financial Planning and Analysis at Orrstown Financial Services, Inc. from 2010 to 2024. The company notes he has no relationships or interests requiring disclosure under specified SEC related-party rules. It also discloses that in 2016 he consented, without admitting or denying the findings, to an SEC cease-and-desist order and a $25,000 civil penalty related to Rule 13b2-1 and certain Exchange Act reporting provisions concerning alleged GAAP disclosure issues at Orrstown.
The parties entered into a three-year Employment Agreement starting December 15, 2025, automatically renewing for additional three-year terms unless timely non-renewal notice is given. Barton will receive an annual base salary of $258,000, eligibility for discretionary bonuses, standard employee benefits, paid time off, and expense reimbursement. He was granted 898 restricted stock units, each for one share of common stock, vesting at 33 1/3% on each anniversary over three years. If he resigns for good reason or is terminated without cause, he generally receives remaining base salary for the term, subject in some cases to a range from 2.00 to 2.99 times base salary and, if separated without cause within two years after a change in control, a lump sum equal to 2.5 times base salary, plus up to two years of continued health and welfare benefits, with payments limited to avoid excise tax and deduction issues under Sections 4999 and 280G of the Internal Revenue Code.
ENB Financial Corp furnished a current report announcing it issued a press release regarding earnings for the third quarter of 2025. The press release, dated October 17, 2025, is included as Exhibit 99 and incorporated by reference.
The disclosure was furnished under Item 2.02 and is not deemed “filed” under the Securities Exchange Act. The filing also includes Exhibit 104, the Cover Page Interactive Data File embedded within the Inline XBRL document.
ENB Financial Corp declared a $0.18 per share 4th quarter cash dividend. The dividend is payable on December 15, 2025 to shareholders of record on November 14, 2025. This announcement affirms continued cash returns to shareholders for the quarter and sets clear dates for eligibility and payment.