ACNB CORP
For the period ended Sep 30, 2026. Filed Nov 5, 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.
Sep 30, 2026 · Filed Nov 5, 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)
| Nine Months Ended September 30, | ||
|---|---|---|
| (In thousands) | 2026 | 2025 |
| CASH FLOWS FROM OPERATING ACTIVITIES | ||
| Net income | $44,644 | $26,246 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Gain from mortgage loans held for sale | (3,689) | (3,893) |
| Earnings on investment in bank-owned life insurance | (2,269) | (1,858) |
| Net gains on sales or calls of investment securities | (49) | (22) |
| Net losses (gains) on equity securities | 46 | (26) |
| Gain on sales of assets held for sale | (177) | — |
| Compensation expense for restricted shares and ESPP | 1,600 | 1,189 |
| Depreciation and amortization | 4,802 | 4,976 |
| Provision for credit losses and reversal of unfunded commitments | 1,261 | 4,177 |
| Net amortization of investment securities premiums | 313 | 960 |
| Amortization of issuance costs on long-term borrowings | 54 | — |
| (Increase) decrease in interest receivable | (262) | 351 |
| Decrease in interest payable | (217) | (661) |
| Mortgage loans originated for sale | (167,059) | (137,252) |
| Proceeds from sales of loans originated for sale | 190,752 | 137,233 |
| (Increase) decrease in other assets | (1,123) | 313 |
| Net change in deferred income tax | (4,546) | 6,807 |
| Increase in other liabilities | 3,866 | 2,633 |
| Net Cash Provided by Operating Activities | 67,947 | 41,173 |
| CASH FLOWS FROM INVESTING ACTIVITIES | ||
| Proceeds from calls/maturities of investment securities held to maturity | 830 | 1,503 |
| Proceeds from calls/maturities of investment securities available for sale | 32,472 | 40,767 |
| Proceeds from sales of investment securities available for sale | 22,193 | 98,272 |
| Purchase of investment securities available for sale | (61,934) | (93,632) |
| Net purchases of restricted investment in bank stocks | (6) | (286) |
| Net increase in loans | (76,813) | (5,473) |
| Gain on life insurance proceeds | (861) | (285) |
| Net cash and cash equivalents received from acquisition | — | 36,206 |
| Capital expenditures | (1,340) | (904) |
| Proceeds from sales of assets held for sale | 452 | — |
| Net Cash (Used in) Provided by Investing Activities | (85,007) | 76,168 |
| CASH FLOWS FROM FINANCING ACTIVITIES | ||
| Net increase in noninterest-bearing deposits | 58,765 | 19,822 |
| Net increase (decrease) in interest-bearing deposits | 13 | (87,935) |
| Net increase in short-term borrowings | 51,769 | 64,642 |
| Proceeds from long-term borrowings | 14,462 | — |
| Repayments on long-term borrowings | (55,000) | (40,188) |
| Dividends paid | (17,500) | (10,460) |
| Common stock repurchased | (13,489) | (8,672) |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | 750 | 327 |
| Net Cash Provided by (Used in) Financing Activities | 39,770 | (62,464) |
| Net Increase in Cash and Cash Equivalents | 22,710 | 54,877 |
| CASH AND CASH EQUIVALENTS — BEGINNING | 65,648 | 47,262 |
| CASH AND CASH EQUIVALENTS — ENDING | $88,358 | $102,139 |
| Supplemental disclosures of cash flow information | ||
| Cash paid for interest | $29,793 | $29,365 |
| Cash paid for Federal income taxes | 10,500 | 1,830 |
| Cash paid for State income taxes | 590 | 111 |
| ACNB CORPORATIONCONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - CONTINUED | ||
|---|---|---|
| Nine Months Ended September 30, | ||
| (In thousands) | 2026 | 2025 |
| Supplemental disclosures of certain noncash activities: | ||
| Recognition of operating lease right of use assets | $279 | $729 |
| Recognition of operating lease liabilities | 279 | 729 |
| Premises and equipment, net transferred to assets held for sale | 2,346 | 275 |
| Loans transferred to foreclosed assets held for resale and other foreclosed transactions | 569 | — |
| Transactions related to Acquisition: | ||
| Net assets acquired | $— | $877,557 |
| Liabilities assumed | — | 793,908 |
| Common shares issued | — | 83,649 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.