ENB Financial Corp 8-K

What Happened ENB Financial Corp (ENBP) notified holders on December 22, 2025 (filed 8-K on December 23, 2025) that it will redeem all outstanding 4.00% Fixed-to-Floating Rate Notes due December 31, 2030 (the "Notes") on January 31, 2026. The aggregate principal amount of the Notes to be redeemed is $20,000,000. The total redemption price will be 100% of principal plus accrued and unpaid interest to, but excluding, the redemption date. The company says it will use excess cash on hand from a recent issuance of $42,500,000 in new subordinated debt to fund the redemption.

Key Details

• Redemption notice dated: December 22, 2025; Redemption date: January 31, 2026.
• Notes being redeemed: 4.00% Fixed-to-Floating Rate Notes due December 31, 2030.
• Amount being redeemed: $20,000,000 aggregate principal.
• Payment funded from excess cash resulting from issuance of $42,500,000 in new subordinated debt; redemption price = 100% of principal + accrued interest.

Why It Matters This action retires $20M of ENB Financial’s outstanding subordinated notes before their maturity, replacing that exposure in part with proceeds from a larger new subordinated debt issuance. For investors, the move may affect the company’s reported debt profile and future interest obligations (short-term cash outflow for the redemption versus the terms of the new debt). The filing is informational (Item 8.01 Other Events) and does not report earnings, management changes, or other operational results.