ENB Financial Corp. Files 8-K with Material Agreements and Officer Changes

Ticker: ENBP · Form: 8-K · Filed: Dec 18, 2025 · CIK: 1437479

Enb Financial Corp 8-K Filing Summary
FieldDetail
CompanyEnb Financial Corp (ENBP)
Form Type8-K
Filed DateDec 18, 2025
Risk Levelmedium
Pages4
Reading Time5 min
Key Dollar Amounts$42,500,000
Sentimentneutral

Sentiment: neutral

Topics: material-agreement, financial-obligation, officer-changes

Related Tickers: ENBF

TL;DR

ENBF 8-K: New debt, exec changes, and filings. Watch closely.

AI Summary

ENB Financial Corp. announced on December 17, 2025, the entry into a material definitive agreement and the creation of a direct financial obligation. The company also reported the departure of directors or certain officers, the election of directors, and the appointment of certain officers, along with compensatory arrangements for these officers. Additionally, a Regulation FD disclosure was made, and financial statements and exhibits were filed.

Why It Matters

This 8-K filing indicates significant corporate actions including new financial obligations and changes in leadership, which could impact the company's financial standing and strategic direction.

Risk Assessment

Risk Level: medium — The filing details material definitive agreements and financial obligations, alongside changes in directorship and officer appointments, which inherently carry medium risk due to potential impacts on financial health and governance.

Key Players & Entities

  • ENB Financial Corp (company) — Registrant
  • December 17, 2025 (date) — Date of earliest event reported
  • Pennsylvania (jurisdiction) — State of incorporation
  • 000-53297 (legal_document) — Commission File Number
  • 51-0661129 (tax_id) — IRS Employer Identification Number

FAQ

What is the nature of the material definitive agreement entered into by ENB Financial Corp?

The filing indicates the entry into a material definitive agreement but does not specify its nature in the provided text.

What type of direct financial obligation was created by ENB Financial Corp?

The filing confirms the creation of a direct financial obligation but does not provide specific details about its terms or amount in the provided text.

When was the earliest event reported in this 8-K filing?

The earliest event reported in this 8-K filing occurred on December 17, 2025.

What are the key items reported in this 8-K filing besides financial obligations?

Besides financial obligations, the filing reports the departure of directors or certain officers, election of directors, appointment of certain officers, compensatory arrangements, Regulation FD disclosure, and financial statements and exhibits.

In which state is ENB Financial Corp incorporated?

ENB Financial Corp is incorporated in Pennsylvania.

Filing Stats: 1,329 words · 5 min read · ~4 pages · Grade level 11.5 · Accepted 2025-12-18 09:12:32

Key Financial Figures

  • $42,500,000 — nt to which the Company sold and issued $42,500,000 in aggregate principal amount of its 6.

Filing Documents

01 Entry Into a Material Definitive Agreement

Item 1.01 Entry Into a Material Definitive Agreement On December 17, 2025, ENB Financial Corp (the "Company") entered into Subordinated Note Purchase Agreements (the "Purchase Agreements") with certain institutional accredited investors and qualified institutional buyers (the "Purchasers") pursuant to which the Company sold and issued $42,500,000 in aggregate principal amount of its 6.50% fixed to floating rate subordinated notes due December 31, 2035 (the "Notes"). The Notes were issued by the Company to the Purchasers at a price equal to 100% of their face amount. The Company intends to use the net proceeds from the sale of Subordinated Notes for general corporate purposes, including, without limitation, to fund current and future acquisitions, strategic opportunities and growth and for investment in, or capital contributions to, its wholly-owned subsidiary, The Ephrata National Bank (the "Bank"), and which may include the redemption of all or a portion of its currently outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030. The Purchase Agreements contain certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand. The Notes have a stated maturity of December 31, 2035, are redeemable by the Company at its option, in whole or in part, on or after December 17, 2030, and at any time upon the occurrences of certain events. Prior to December 17, 2030, the Company may redeem the Notes, in whole or in part, only under certain limited circumstances set forth in the Note. On or after December 17, 2030, the Company may redeem the Notes, in whole or in part, at its option, on any interest payment date. Any redemption by the Company would be at a redemption price equal to 100% of the principal amount of the Notes being redeemed, together with any accrued and unpaid interest on the Notes being redeemed to but excluding the date of redemption. The Notes are n

03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under Item 1.01 above is incorporated by reference into this Item 2.03. Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On December 17, 2025, the Boards of Directors of the Company and the Bank, appointed Rachel G. Bitner, President and Chief Executive Officer Elect of the Corporation and the Bank, as a director of the Corporation and the Bank. Ms. Bitner was appointed as a Class C director of the Corporation to serve until the 2026 annual meeting of shareholders. Other than her current employment agreement and benefits available to all employees of the Company and Bank, Ms. Bitner was not selected as a director pursuant to any arrangement or understanding with any other person, and she has no reportable transactions under Item 404(a) of Regulation S-K.

01 Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure In connection with the offering of the Notes described in Item 1.01, the Company provided certain investors with a slide deck that included information about the Company. A copy of the slide deck is attached as Exhibit 99.1 and is incorporated herein by reference. The information furnished pursuant to this item shall not be deemed "filed" for any purpose.

01 Financial Statement and Exhibits

Item 9.01 Financial Statement and Exhibits (d) Exhibits. 3 Exhibit Number Description 4.1 Form of 6.50% Fixed to Floating Rate Subordinated Note due December 31, 2035 (included as Exhibit A to the Form of Subordinated Note Purchase Agreement 6.50% Fixed to Floating Rate Subordinated Note due December 31, 2035 filed as Exhibit 10.1 hereto). 10.1 Form of Subordinated Note Purchase Agreement 6.50% Fixed to Floating Rate Subordinated Note due December 31, 2035, dated December 17, 2025, by and among ENB Financial Corp and the Purchasers. 99.1 Slide Deck dated December 2, 2025 104 Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL) 4

SIGNATURES

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 18, 2025 /s/ Douglas P. Barton Douglas P. Barton Executive Vice President/Chief Financial Officer and Treasurer (Principal Financial Officer) 5

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