ACNB CORP
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 6, 2025
ACNB$66.67+1.7%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Condition (Unaudited)
ITEM 1 – FINANCIAL STATEMENTS
CONSOLIDATED STATEMENTS OF CONDITION(UNAUDITED)
| (Dollars in thousands, except per share data) | September 30, 2025 | December 31, 2024 |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $30,500 | $16,352 |
| Interest-bearing deposits with banks | 71,639 | 30,910 |
| Total Cash and Cash Equivalents | 102,139 | 47,262 |
| Equity securities with readily determinable fair values | 945 | 919 |
| Investment securities available for sale, at estimated fair value | 462,217 | 393,975 |
| Investment securities held to maturity, at amortized cost (fair value $56,932, $56,924) | 63,408 | 64,578 |
| Loans held for sale | 16,850 | 426 |
| Total loans, net of unearned income | 2,336,605 | 1,682,910 |
| Less: Allowance for credit losses | (23,660) | (17,280) |
| Loans, net | 2,312,945 | 1,665,630 |
| Premises and equipment, net | 31,107 | 25,454 |
| Right of use asset | 4,403 | 2,663 |
| Restricted investment in bank stocks | 14,462 | 10,853 |
| Investment in bank-owned life insurance | 96,755 | 81,850 |
| Investments in low-income housing partnerships | 783 | 877 |
| Goodwill | 64,449 | 44,185 |
| Intangible assets, net | 23,565 | 7,838 |
| Assets held for sale | 275 | — |
| Foreclosed assets held for resale | 32 | 438 |
| Other assets | 56,503 | 47,882 |
| Total Assets | $3,250,838 | $2,394,830 |
| LIABILITIES AND STOCKHOLDERS’ EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $581,697 | $451,503 |
| Interest-bearing | 1,884,199 | 1,340,998 |
| Total Deposits | 2,465,896 | 1,792,501 |
| Short-term borrowings | 80,468 | 15,826 |
| Long-term borrowings | 255,365 | 255,333 |
| Lease liability | 4,696 | 2,764 |
| Allowance for unfunded commitments | 1,384 | 1,394 |
| Other liabilities | 34,387 | 23,739 |
| Total Liabilities | 2,842,196 | 2,091,557 |
| Stockholders’ Equity: | ||
| Preferred stock, $2.50 par value, 20,000,000 shares authorized; no shares outstanding at September 30, 2025 and December 31, 2024 | — | — |
| Common stock, $2.50 par value, 20,000,000 shares authorized; 11,023,573 and 8,945,293 shares issued; 10,423,015 and 8,553,785 shares outstanding at September 30, 2025 and December 31, 2024, respectively | 27,555 | 22,357 |
| Treasury stock, at cost, 600,558 and 391,508 shares at September 30, 2025 and December 31, 2024, respectively | (19,875) | (11,203) |
| Additional paid-in capital | 179,130 | 99,163 |
| Retained earnings | 250,410 | 234,624 |
| Accumulated other comprehensive loss | (28,578) | (41,668) |
| Total Stockholders’ Equity | 408,642 | 303,273 |
| Total Liabilities and Stockholders’ Equity | $3,250,838 | $2,394,830 |
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