ENB Financial FY26 Q2 net income falls 1.8% to $5.7 million; net interest income rises 17.7% to $20.78 million

• ENB Financial posted net income of $5.7 million in the quarter ended June 30, 2026, down 1.8% year over year.
• Diluted EPS slipped to $1, down from $1.02 a year earlier; merger and conversion-related expenses totaled $1.24 million after tax.
• Net interest income rose 17.7% to $20.78 million, while net interest margin widened 31 basis points to 3.6%.
• Provision for credit losses swung to a $462,000 release from $126,000 of expense, reflecting declines in classified assets.
• Operating expenses climbed 31.2% to $18.27 million on $1.56 million of merger and conversion costs tied to the Cecil Bancorp acquisition.

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