ACNB CORP
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
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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.
FY2025 · Filed Mar 12, 2026
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
| ACNB CORPORATION | ||
|---|---|---|
| CONSOLIDATED STATEMENTS OF CONDITION | ||
| December 31, | ||
| (Dollars in thousands, except per share data) | 2025 | 2024 |
| ASSETS | ||
| Cash and due from banks | $20,611 | $16,352 |
| Interest-bearing deposits with banks | 45,037 | 30,910 |
| Total Cash and Cash Equivalents | 65,648 | 47,262 |
| Equity securities with readily determinable fair values | 949 | 919 |
| Investment securities available for sale, at estimated fair value | 466,894 | 393,975 |
| Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924) | 63,288 | 64,578 |
| Loans held for sale | 28,170 | 426 |
| Total loans, net of unearned income | 2,330,514 | 1,682,910 |
| Less: Allowance for credit losses | (23,672) | (17,280) |
| Loans, net | 2,306,842 | 1,665,630 |
| Premises and equipment, net | 30,648 | 25,454 |
| Right of use asset | 4,155 | 2,663 |
| Restricted investment in bank stocks | 14,237 | 10,853 |
| Investment in bank-owned life insurance | 105,840 | 81,850 |
| Investments in low-income housing partnerships | 751 | 877 |
| Goodwill | 64,449 | 44,185 |
| Intangible assets, net | 22,435 | 7,838 |
| Assets held for sale | 275 | — |
| Foreclosed assets held for resale | 19 | 438 |
| Other assets | 53,526 | 47,882 |
| Total Assets | $3,228,126 | $2,394,830 |
| LIABILITIES AND STOCKHOLDERS’ EQUITY | ||
| Deposits: | ||
| Noninterest-bearing | $553,855 | $451,503 |
| Interest-bearing | 1,896,330 | 1,340,998 |
| Total Deposits | 2,450,185 | 1,792,501 |
| Short-term borrowings | 64,740 | 15,826 |
| Long-term borrowings | 255,376 | 255,333 |
| Lease liability | 4,451 | 2,764 |
| Allowance for unfunded commitments | 1,831 | 1,394 |
| Other liabilities | 31,569 | 23,739 |
| Total Liabilities | 2,808,152 | 2,091,557 |
| Stockholders’ Equity: | ||
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2025 and 2024 | — | — |
| Common stock, $2.50 par value; 20,000,000 shares authorized; 11,028,152 and 8,945,293 shares issued; 10,372,251 and 8,553,785 shares outstanding at December 31, 2025 and 2024, respectively | 27,564 | 22,357 |
| Treasury stock, at cost 655,901 and 391,508 shares at December 31, 2025 and 2024, respectively | (22,367) | (11,203) |
| Additional paid-in capital | 179,658 | 99,163 |
| Retained earnings | 257,293 | 234,624 |
| Accumulated other comprehensive loss | (22,174) | (41,668) |
| Total Stockholders’ Equity | 419,974 | 303,273 |
| Total Liabilities and Stockholders’ Equity | $3,228,126 | $2,394,830 |
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