ENB Financial Corp reported net income of $6,913,000 for the third quarter of 2026, a $994,000 increase, or 16.8%, compared to the same period in 2025. Year-to-date through September 30, 2026, the company earned $16,641,000, representing a $596,000, or 3.7%, increase over the first nine months of 2025. Earnings per share for the third quarter were $1.21, compared to $1.04 in the prior year, with year-to-date earnings per share at $2.92.
The company attributes the growth to the acquisition of Cecil Bancorp, which was completed on February 1, 2026. The fair value of net assets acquired totaled $24,617,000, including net loans of $147,400,000 and deposits of $186,384,000. Net interest income increased by $4,078,000, or 22.4%, for the third quarter of 2026, driven by increased interest income on loans and a decline in interest expense on deposits.
Adjusted net income, which excludes merger and conversion-related expenses, was $6,919,000 for the third quarter of 2026. Noninterest income also saw an increase of $134,000, or 3.2%, for the quarter, with gains primarily from trust and investment services and service fees.
On the balance sheet, total assets stood at $2.40 billion as of September 30, 2026, up 7.8% from the prior year. Total loans increased to $1.71 billion, and total deposits reached $2.0 billion. The company recorded a release of provision for credit losses of $374,000 in the third quarter of 2026, compared to a provision expense of $20,000 in the prior year.
