ACNB CORP
For the period ended Jun 30, 2026. Filed Aug 6, 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.
Jun 30, 2026 · Filed Aug 6, 2026
ACNB$66.79+0.2%Stored close · as of Nov 10, 2026
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Item 1. Consolidated Statements of Income (Unaudited)
| ACNB CORPORATION | ||||
|---|---|---|---|---|
| CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) | ||||
| Three Months Ended June 30, | Six Months Ended June 30, | |||
| (Dollars in thousands, except share data) | 2026 | 2025 | 2026 | 2025 |
| INTEREST AND DIVIDEND INCOME | ||||
| Loans, including fees: | ||||
| Taxable | $37,883 | $36,555 | $74,185 | $68,231 |
| Tax-exempt | 349 | 317 | 687 | 609 |
| Investment Securities: | ||||
| Taxable | 4,343 | 3,283 | 8,584 | 6,185 |
| Tax-exempt | 320 | 283 | 634 | 571 |
| Dividends | 266 | 307 | 600 | 647 |
| Other | 524 | 831 | 1,227 | 1,623 |
| Total Interest and Dividend Income | 43,685 | 41,576 | 85,917 | 77,866 |
| INTEREST EXPENSE | ||||
| Deposits | 6,614 | 7,284 | 13,001 | 13,280 |
| Short-term borrowings | 552 | 341 | 1,115 | 635 |
| Long-term borrowings | 2,517 | 2,939 | 5,284 | 5,849 |
| Total Interest Expense | 9,683 | 10,564 | 19,400 | 19,764 |
| Net Interest Income | 34,002 | 31,012 | 66,517 | 58,102 |
| Provision for (reversal of) credit losses | 554 | (228) | 478 | 5,740 |
| Reversal of provision for unfunded commitments | (107) | (354) | (120) | (834) |
| Net Interest Income after Provision for (Reversal of) Credit Losses and Unfunded Commitments | 33,555 | 31,594 | 66,159 | 53,196 |
| NONINTEREST INCOME | ||||
| Insurance commissions | 2,991 | 2,908 | 5,119 | 5,055 |
| Gain from mortgage loans held for sale | 1,463 | 1,575 | 2,689 | 2,430 |
| Service charges on deposits | 1,243 | 1,179 | 2,478 | 2,273 |
| Wealth management | 1,191 | 1,090 | 2,351 | 2,150 |
| ATM debit card charges | 933 | 905 | 1,839 | 1,736 |
| Earnings on investment in bank-owned life insurance | 756 | 627 | 1,493 | 1,207 |
| Gain on assets held for sale | — | — | 177 | — |
| Gain on life insurance proceeds | — | 31 | 174 | 285 |
| Other | 245 | 342 | 734 | 691 |
| Net gains on sales or calls of investment securities | — | 22 | 49 | 22 |
| Net (losses) gains on equity securities | (4) | 3 | (11) | 17 |
| Total Noninterest Income | 8,818 | 8,682 | 17,092 | 15,866 |
| NONINTEREST EXPENSES | ||||
| Salaries and employee benefits | 13,761 | 13,693 | 27,788 | 26,554 |
| Equipment | 2,552 | 2,539 | 5,152 | 4,819 |
| Net occupancy | 1,209 | 1,277 | 2,742 | 2,719 |
| Intangible assets amortization | 1,028 | 1,141 | 2,084 | 1,998 |
| Professional services | 736 | 743 | 1,414 | 1,320 |
| Other tax | 317 | 220 | 894 | 747 |
| FDIC and regulatory | 459 | 435 | 901 | 836 |
| Merger-related | — | 1,943 | — | 9,974 |
| Other | 3,063 | 3,375 | 5,765 | 5,734 |
| Total Noninterest Expenses | 23,125 | 25,366 | 46,740 | 54,701 |
| Income Before Income Taxes | 19,248 | 14,910 | 36,511 | 14,361 |
| Income tax expense | 4,034 | 3,262 | 7,594 | 2,985 |
| Net Income | $15,214 | $11,648 | $28,917 | $11,376 |
| PER SHARE DATA | ||||
| Basic earnings | $1.50 | $1.11 | $2.82 | $1.12 |
| Diluted earnings | $1.49 | $1.11 | $2.81 | $1.12 |
| Weighted average shares basic | 10,170,860 | 10,451,469 | 10,259,205 | 10,130,666 |
| Weighted average shares diluted | 10,212,225 | 10,487,519 | 10,288,802 | 10,157,331 |
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