ACNB CORP
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
View on SEC.govAbout this filing
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$66.79+0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Income
| ACNB CORPORATION | |||
|---|---|---|---|
| CONSOLIDATED STATEMENTS OF INCOME | |||
| Years Ended December 31, | |||
| (Dollars in thousands, except per share data) | 2025 | 2024 | 2023 |
| INTEREST AND DIVIDEND INCOME | |||
| Loans, including fees: | |||
| Taxable | $142,485 | $90,547 | $79,433 |
| Tax-exempt | 1,276 | 1,232 | 1,405 |
| Investment Securities: | |||
| Taxable | 13,195 | 10,748 | 10,985 |
| Tax-exempt | 1,149 | 1,136 | 1,168 |
| Dividends | 1,299 | 970 | 331 |
| Other | 3,808 | 2,832 | 3,318 |
| Total Interest and Dividend Income | 163,212 | 107,465 | 96,640 |
| INTEREST EXPENSE | |||
| Deposits | 26,699 | 11,194 | 3,695 |
| Short-term borrowings | 1,639 | 859 | 898 |
| Long-term borrowings | 11,784 | 11,801 | 3,727 |
| Total Interest Expense | 40,122 | 23,854 | 8,320 |
| Net Interest Income | 123,090 | 83,611 | 88,320 |
| Provision for (reversal of) credit losses | 5,262 | (2,437) | 860 |
| Reversal of provision for unfunded commitments | (532) | (326) | (16) |
| Net Interest Income after Provisions for (Reversals of) Credit Losses and Unfunded Commitments | 118,360 | 86,374 | 87,476 |
| NONINTEREST INCOME | |||
| Insurance commissions | 9,482 | 9,754 | 9,319 |
| Gain from mortgage loans held for sale | 5,266 | 301 | 56 |
| Service charges on deposits | 4,841 | 4,144 | 3,958 |
| Wealth management | 4,475 | 4,226 | 3,644 |
| ATM debit card charges | 3,563 | 3,303 | 3,348 |
| Earnings on investment in bank-owned life insurance | 2,593 | 1,979 | 1,878 |
| Gain on life insurance proceeds | 285 | — | — |
| Net (losses) gains on sales or calls of investment securities | (3,535) | 69 | (5,240) |
| Net gains (losses) on equity securities | 30 | (9) | 18 |
| Gain on assets held for sale | — | — | 337 |
| Other | 1,609 | 963 | 1,127 |
| Total Noninterest Income | 28,609 | 24,730 | 18,445 |
| NONINTEREST EXPENSES | |||
| Salaries and employee benefits | 52,779 | 42,929 | 40,931 |
| Equipment | 9,477 | 7,321 | 6,514 |
| Net occupancy | 5,177 | 4,162 | 3,908 |
| Professional services | 2,660 | 2,140 | 2,320 |
| Other tax | 1,847 | 1,446 | 1,269 |
| FDIC and regulatory | 1,751 | 1,425 | 1,388 |
| Intangible assets amortization | 4,257 | 1,244 | 1,424 |
| Merger-related | 10,718 | 2,045 | — |
| Other | 11,849 | 7,973 | 8,318 |
| Total Noninterest Expenses | 100,515 | 70,685 | 66,072 |
| Income Before Income Taxes | 46,454 | 40,419 | 39,849 |
| Income taxes | 9,403 | 8,573 | 8,161 |
| Net Income | $37,051 | $31,846 | $31,688 |
| PER SHARE DATA | |||
| Basic earnings | $3.61 | $3.75 | $3.72 |
| Diluted earnings | $3.60 | $3.73 | $3.71 |
| Weighted average shares basic | 10,259,179 | 8,503,473 | 8,507,803 |
| Weighted average shares diluted | 10,290,148 | 8,536,965 | 8,536,125 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.