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$66.79+0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 1. Consolidated Statements of Income (Unaudited)
| ACNB CORPORATION | ||||
|---|---|---|---|---|
| CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) | ||||
| Three Months Ended September 30, | Nine Months Ended September 30, | |||
| (Dollars in thousands, except share data) | 2025 | 2024 | 2025 | 2024 |
| INTEREST AND DIVIDEND INCOME | ||||
| Loans, including fees: | ||||
| Taxable | $36,961 | $23,108 | $105,192 | $67,253 |
| Tax-exempt | 324 | 311 | 933 | 943 |
| Investment Securities: | ||||
| Taxable | 3,430 | 2,617 | 9,615 | 8,193 |
| Tax-exempt | 281 | 284 | 852 | 852 |
| Dividends | 332 | 251 | 979 | 739 |
| Other | 1,162 | 670 | 2,785 | 2,104 |
| Total Interest and Dividend Income | 42,490 | 27,241 | 120,356 | 80,084 |
| INTEREST EXPENSE | ||||
| Deposits | 6,872 | 3,112 | 20,152 | 7,915 |
| Short-term borrowings | 513 | 204 | 1,148 | 847 |
| Long-term borrowings | 2,968 | 2,983 | 8,817 | 8,823 |
| Total Interest Expense | 10,353 | 6,299 | 30,117 | 17,585 |
| Net Interest Income | 32,137 | 20,942 | 90,239 | 62,499 |
| (Reversal of) provision for credit losses | (584) | 81 | 5,156 | (2,686) |
| (Reversal of) provision for unfunded commitments | (145) | 40 | (979) | (370) |
| Net Interest Income after (Reversal of) Provisions for Credit Losses and Unfunded Commitments | 32,866 | 20,821 | 86,062 | 65,555 |
| NONINTEREST INCOME | ||||
| Insurance commissions | 2,545 | 2,787 | 7,600 | 7,649 |
| Service charges on deposits | 1,286 | 1,048 | 3,559 | 3,060 |
| Wealth management | 1,125 | 1,188 | 3,275 | 3,219 |
| Gain from mortgage loans held for sale | 1,463 | 112 | 3,893 | 194 |
| ATM debit card charges | 904 | 828 | 2,640 | 2,488 |
| Earnings on investment in bank-owned life insurance | 651 | 503 | 1,858 | 1,473 |
| Gain on life insurance proceeds | — | — | 285 | — |
| Net gains on sales or calls of investment securities | — | — | 22 | 69 |
| Net gains on equity securities | 9 | 28 | 26 | 19 |
| Other | 428 | 339 | 1,119 | 756 |
| Total Noninterest Income | 8,411 | 6,833 | 24,277 | 18,927 |
| NONINTEREST EXPENSES | ||||
| Salaries and employee benefits | 13,191 | 11,017 | 39,745 | 32,611 |
| Equipment | 2,302 | 1,698 | 7,121 | 4,997 |
| Net occupancy | 1,217 | 945 | 3,936 | 3,066 |
| Professional services | 588 | 409 | 1,908 | 1,554 |
| FDIC and regulatory | 457 | 365 | 1,293 | 1,088 |
| Other tax | 561 | 360 | 1,308 | 1,086 |
| Intangible assets amortization | 1,129 | 304 | 3,127 | 940 |
| Merger-related | 169 | 1,137 | 10,143 | 1,160 |
| Other | 2,747 | 2,009 | 8,481 | 5,795 |
| Total Noninterest Expenses | 22,361 | 18,244 | 77,062 | 52,297 |
| Income Before Income Taxes | 18,916 | 9,410 | 33,277 | 32,185 |
| Income tax expense | 4,046 | 2,206 | 7,031 | 6,934 |
| Net Income | $14,870 | $7,204 | $26,246 | $25,251 |
| PER SHARE DATA | ||||
| Basic earnings | $1.43 | $0.85 | $2.57 | $2.97 |
| Diluted earnings | $1.42 | $0.84 | $2.56 | $2.96 |
| Weighted average shares basic | 10,419,581 | 8,507,140 | 10,228,029 | 8,500,860 |
| Weighted average shares diluted | 10,455,461 | 8,545,578 | 10,257,800 | 8,532,691 |
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