Material Event (Form 8-K)

On December 22, 2025, ENB Financial Corp (the "Company") notified holders that the Company will redeem on January 31, 2026 (the "Redemption Date") all of the Company's outstanding 4.00% Fixed to Floating Rate Notes due December 31, 2030, having an aggregate principal amount of $20,000,000 (the "Notes"), in accordance with the terms of the Notes. The total redemption price will be 100% of the aggregate principal amount of the Notes, plus accrued and unpaid interest to but excluding the Redemption Date. The Company will utilize excess cash on hand for the redemption payment, which resulted from the issuance of $42,500,000 in new subordinated debt.