ACNB CORP
For the period ended Dec 31, 2024. Filed Mar 14, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2024 · Filed Mar 14, 2025
ACNB$66.67+1.7%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Condition
| ACNB CORPORATION | ||
|---|---|---|
| CONSOLIDATED STATEMENTS OF CONDITION | ||
| December 31, | ||
| (In thousands, except per share data) | 2024 | 2023 |
| ASSETS | ||
| Cash and due from banks | $16,352 | $21,442 |
| Interest-bearing deposits with banks | 30,910 | 44,516 |
| Total Cash and Cash Equivalents | 47,262 | 65,958 |
| Equity securities with readily determinable fair values | 919 | 928 |
| Investment securities available for sale, at estimated fair value | 393,975 | 451,693 |
| Investment securities held to maturity, at amortized cost (fair value $56,924, $59,057) | 64,578 | 64,600 |
| Loans held for sale | 426 | 280 |
| Total loans, net of unearned income | 1,682,910 | 1,627,988 |
| Less: Allowance for credit losses | (17,280) | (19,969) |
| Loans, net | 1,665,630 | 1,608,019 |
| Premises and equipment, net | 25,454 | 26,283 |
| Right of use asset | 2,663 | 2,615 |
| Restricted investment in bank stocks | 10,853 | 9,677 |
| Investment in bank-owned life insurance | 81,850 | 79,871 |
| Investments in low-income housing partnerships | 877 | 1,003 |
| Goodwill | 44,185 | 44,185 |
| Intangible assets, net | 7,838 | 9,082 |
| Foreclosed assets held for resale | 438 | 467 |
| Other assets | 47,882 | 54,186 |
| Total Assets | $2,394,830 | $2,418,847 |
| LIABILITIES AND STOCKHOLDERS’ EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $451,503 | $500,332 |
| Interest-bearing | 1,340,998 | 1,361,481 |
| Total Deposits | 1,792,501 | 1,861,813 |
| Short-term borrowings | 15,826 | 56,882 |
| Long-term borrowings | 255,333 | 195,292 |
| Lease liability | 2,764 | 2,615 |
| Allowance for unfunded commitments | 1,394 | 1,719 |
| Other liabilities | 23,739 | 23,065 |
| Total Liabilities | 2,091,557 | 2,141,386 |
| Stockholders’ Equity: | ||
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2024 and 2023 | — | — |
| Common stock, $2.50 par value; 20,000,000 shares authorized; 8,945,293 and 8,896,119 shares issued; 8,553,785 and 8,511,453 shares outstanding at December 31, 2024 and 2023, respectively | 22,357 | 22,231 |
| Treasury stock, at cost 391,508 and 384,666 shares at December 31, 2024 and 2023, respectively | (11,203) | (10,954) |
| Additional paid-in capital | 99,163 | 97,602 |
| Retained earnings | 234,624 | 213,491 |
| Accumulated other comprehensive loss | (41,668) | (44,909) |
| Total Stockholders’ Equity | 303,273 | 277,461 |
| Total Liabilities and Stockholders’ Equity | $2,394,830 | $2,418,847 |
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