ACNB CORP
For the period ended Mar 31, 2026. Filed May 7, 2026.
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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.
Mar 31, 2026 · Filed May 7, 2026
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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Consolidated Statements of Cash Flows (Unaudited)
| Three Months Ended March 31, | ||
|---|---|---|
| (In thousands) | 2026 | 2025 |
| CASH FLOWS FROM OPERATING ACTIVITIES | ||
| Net income (loss) | $13,703 | $(272) |
| Adjustments to reconcile net income (loss) to net cash provided by operating activities: | ||
| Gain from mortgage loans held for sale | (1,226) | (855) |
| Earnings on investment in bank-owned life insurance | (737) | (580) |
| Net gains on sales or calls of investment securities | (49) | — |
| Net losses (gains) on equity securities | 7 | (14) |
| Gain on sales of assets held for sale | (177) | — |
| Restricted stock compensation expense | 825 | 612 |
| Depreciation and amortization | 1,665 | 1,445 |
| Net accretion of purchase accounting adjustments | (1,876) | (1,532) |
| (Reversal of) provision for credit losses and reversal of unfunded commitments | (89) | 5,488 |
| Net amortization of investment securities premiums | 108 | 385 |
| Increase in interest receivable | (22) | (615) |
| (Decrease) increase in interest payable | (51) | 69 |
| Mortgage loans originated for sale | (42,584) | (26,749) |
| Proceeds from sales of loans originated for sale | 56,825 | 19,129 |
| Increase in other assets | (3,609) | (2,771) |
| Deferred income tax | (65) | 798 |
| Increase in other liabilities | 1,674 | 4,113 |
| Net Cash Provided by (Used in) Operating Activities | 24,322 | (1,349) |
| CASH FLOWS FROM INVESTING ACTIVITIES | ||
| Proceeds from calls/maturities of investment securities held to maturity | 151 | 171 |
| Proceeds from calls/maturities of investment securities available for sale | 10,221 | 6,668 |
| Proceeds from sales of investment securities available for sale | 22,193 | 97,883 |
| Purchase of investment securities available for sale | (40,605) | (61,055) |
| Net redemption of restricted investment in bank stocks | 1,663 | 616 |
| Net (increase) decrease in loans | (16,812) | 10,618 |
| Gain on life insurance proceeds | (174) | (254) |
| Net cash and cash equivalents received from acquisition | — | 36,206 |
| Capital expenditures | (334) | (659) |
| Proceeds from sales of assets held for sale | 452 | — |
| Net Cash (Used in) Provided by Investing Activities | (23,245) | 90,194 |
| CASH FLOWS FROM FINANCING ACTIVITIES | ||
| Net increase in noninterest-bearing deposits | 22,201 | 825 |
| Net increase in interest-bearing deposits | 53,362 | 5,186 |
| Net (decrease) increase in short-term borrowings | (912) | 28,362 |
| Proceeds from long-term borrowings | 15,000 | — |
| Repayments on long-term borrowings | (55,000) | (40,188) |
| Dividends paid | (3,930) | (3,374) |
| Common stock repurchased | (3,560) | (3,106) |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | (251) | (249) |
| Net Cash Provided by (Used in) Financing Activities | 26,910 | (12,544) |
| Net Increase in Cash and Cash Equivalents | 27,987 | 76,301 |
| CASH AND CASH EQUIVALENTS — BEGINNING | 65,648 | 47,262 |
| CASH AND CASH EQUIVALENTS — ENDING | $93,635 | $123,563 |
| Supplemental disclosures of cash flow information | ||
| Cash paid for interest | $9,768 | $7,718 |
| Cash paid for Federal income taxes | — | — |
| Cash paid for State income taxes | 5 | 6 |
| Supplemental disclosures of certain noncash activities: | ||
| Recognition of operating lease right of use assets | $156 | $183 |
| Recognition of operating lease liabilities | 156 | 183 |
| Transactions related to acquisition: | ||
| Increase in assets and liabilities: | ||
| Net assets acquired | $— | $877,557 |
| Liabilities assumed | — | 793,908 |
| Common shares issued | — | 83,649 |
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