A
ACNB CORP
Period
FY 2025
Revenue
—
Net Income
$37.05M
Total Assets
$3.23B
Equity
$419.97M
Shares Out
10.21M
Op. Cash Flow
$53.64M
Business
ACNB Corporation is a financial holding company providing retail and commercial banking, mortgage lending, wealth management, trust and brokerage services through its subsidiary ACNB Bank operating 33 community banking offices across Pennsylvania and Maryland, supplemented by a full-service insurance agency, ACNB Insurance Services, licensed in 46 states offering property, casualty, health, life and disability insurance. The corporation generates revenue primarily from banking operations including commercial and consumer lending, deposit-taking and trust administration, and from insurance brokerage services.
Summary from 10-K filed 2026-03-12
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Taxable | 142 | 91 | 79 | 69 | — | |
| Tax-exempt | 1 | 1 | 1 | 1 | — | |
| Taxable | 13 | 11 | 11 | 10 | 5 | |
| Tax-exempt | 1 | 1 | 1 | 1 | 543,000 | |
| Dividends | 1 | 970,000 | 331,000 | 104,000 | 230,000 | |
| Other | 4 | 3 | 3 | 6 | 777,000 | |
| Total Interest and Dividend Income | 163 | 107 | 97 | 87 | 78 | |
| Deposits | 27 | 11 | 4 | 3 | 5 | |
| Short-term borrowings | 2 | 859,000 | 898,000 | 77,000 | 39,000 | |
| Long-term borrowings | 12 | 12 | 4 | 986,000 | 2 | |
| Total Interest Expense | 40 | 24 | 8 | 4 | 7 | |
| Net Interest Income | 123 | 84 | 88 | 83 | — | |
| Provision for (reversal of) credit losses | 5 | −2 | 860,000 | 0 | 50,000 | |
| Reversal of provision for unfunded commitments | −532,000 | −326,000 | −16,000 | — | — | |
| Net Interest Income after Provisions for (Reversals of) Credit Losses and Unfunded Commitments | 118 | 86 | 87 | 83 | 71 | |
| Insurance commissions | 9 | 10 | 9 | 8 | 6 | |
| Earnings on investment in bank-owned life insurance | 3 | 2 | 2 | 2 | 1 | |
| Gain on life insurance proceeds | 285,000 | 0 | 0 | 0 | 101,000 | |
| Net (losses) gains on sales or calls of investment securities | −4 | 69,000 | −5 | −234,000 | 0 | |
| Net gains (losses) on equity securities | 30,000 | −9,000 | 18,000 | −298,000 | 439,000 | |
| Gain on assets held for sale | 0 | 0 | 337,000 | 0 | — | |
| Other | 2 | 963,000 | 1 | 1 | 1 | |
| Total Noninterest Income | 29 | 25 | 18 | 22 | 23 | |
| Salaries and employee benefits | 53 | 43 | 41 | 36 | 37 | |
| Equipment | 9 | 7 | 7 | 7 | 6 | |
| Net occupancy | 5 | 4 | 4 | 4 | 4 | |
| Professional services | 3 | 2 | 2 | 2 | 1 | |
| Other tax | 2 | 1 | 1 | 2 | 2 | |
| FDIC and regulatory | 2 | 1 | 1 | 1 | 960,000 | |
| Intangible assets amortization | 4 | 1 | 1 | 2 | 1 | |
| Merger-related | 11 | 2 | 0 | 0 | 0 | |
| Other | 12 | 8 | 8 | 7 | 6 | |
| Total Noninterest Expenses | 101 | 71 | 66 | 60 | 59 | |
| Income Before Income Taxes | 46 | 40 | 40 | 45 | 35 | |
| Income taxes | 9 | 9 | 8 | 9 | 7 | |
| Net Income | 37 | 32 | 32 | 36 | 28 | |
| Basic earnings | 3.61 | 3.75 | 3.72 | 4.15 | 3.19 | |
| Diluted earnings | 3.6 | 3.73 | 3.71 | 4.15 | — | |
| Weighted average shares outstanding, basic (in shares) | 10 | 9 | 9 | 9 | — | |
| Weighted average shares outstanding, diluted (in shares) | 10 | 9 | 9 | 9 | — |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2022 2022-03-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 21 | 16 | 21 | 40 | — | |
| Interest-bearing deposits with banks | 45 | 31 | 45 | 128 | — | |
| Total Cash and Cash Equivalents | 66 | 47 | 66 | 168 | — | |
| Equity securities with readily determinable fair values | 949,000 | 919,000 | 928,000 | 2 | — | |
| Investment securities available for sale, at estimated fair value | 467 | 394 | 452 | 554 | 40 | |
| Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924) | 63 | 65 | 65 | 65 | — | |
| Loans held for sale | 28 | 426,000 | — | — | — | |
| Total loans, net of unearned income | 2,331 | 1,683 | 1,628 | 1,539 | — | |
| Less: Allowance for credit losses | −24 | −17 | −20 | −18 | — | |
| Loans, net | 2,307 | 1,666 | 1,608 | 1,521 | — | |
| Premises and equipment, net | 31 | 25 | 26 | 27 | — | |
| Right of use asset | 4 | 3 | 3 | 3 | — | |
| Restricted investment in bank stocks | 14 | 11 | 10 | 2 | — | |
| Investment in bank-owned life insurance | 106 | 82 | 80 | 78 | — | |
| Investments in low-income housing partnerships | 751,000 | 877,000 | 1 | 1 | — | |
| Goodwill | 64 | 44 | 44 | 44 | — | |
| Intangible assets, net | 22 | 8 | 9 | 10 | — | |
| Assets held for sale | 275,000 | 0 | — | — | — | |
| Foreclosed assets held for resale | 19,000 | 438,000 | 467,000 | 474,000 | — | |
| Other assets | 54 | 48 | 54 | 47 | — | |
| Total Assets | 3,228 | 2,395 | 2,419 | 2,526 | — | |
| Deposits: Non-interest bearing | 554 | 452 | 500 | 595 | — | |
| Deposits: Interest bearing | 1,896 | 1,341 | 1,361 | 1,604 | — | |
| Total Deposits | 2,450 | 1,793 | 1,862 | 2,199 | — | |
| Short-term borrowings | 65 | 16 | 57 | 42 | — | |
| Long-term borrowings | 255 | 255 | 195 | 21 | — | |
| Lease liability | 4 | 3 | 3 | 3 | — | |
| Allowance for unfunded commitments | 2 | 1 | 2 | 92,000 | — | |
| Other liabilities | 32 | 24 | 23 | 15 | — | |
| Total Liabilities | 2,808 | 2,092 | 2,141 | 2,280 | — | |
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2025 and 2024 | 0 | 0 | 0 | 0 | — | |
| 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 | 28 | 22 | 22 | 22 | — | |
| Treasury stock, at cost 655,901 and 391,508 shares at December 31, 2025 and 2024, respectively | −22 | −11 | −11 | −9 | — | |
| Additional paid-in capital | 180 | 99 | 98 | 96 | — | |
| Retained earnings | 257 | 235 | 213 | 245 | — | |
| Accumulated other comprehensive loss | −22 | −42 | −45 | −58 | — | |
| Total Stockholders Equity | 420 | 303 | 277 | 245 | — | |
| Total Liabilities and Stockholders Equity | 3,228 | 2,395 | 2,419 | 2,526 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Gain on sales of loans originated for sale | −5 | −301,000 | −56,000 | −487,000 | −3 | |
| Gain on sales of assets held for sale | 0 | 0 | −337,000 | 0 | — | |
| Restricted stock compensation expense | 1 | 1 | 1 | 729,000 | 362,000 | |
| Depreciation and amortization | 7 | 3 | 3 | 4 | 3 | |
| Net Amortization Of Purchase Accounting Adjustments | 8 | 0 | 0 | — | — | |
| Provision for (reversal of) credit losses and unfunded commitments | 5 | −3 | 844,000 | 0 | — | |
| Net amortization of investment securities premiums | 1 | 2 | 690,000 | 2 | 2 | |
| Decrease (increase) in interest receivable | 155,000 | −109,000 | −1 | −1 | 1 | |
| (Decrease) increase in interest payable | −778,000 | 757,000 | 743,000 | −58,000 | −1 | |
| Mortgage loans originated for sale | −195 | −13 | −3 | −37 | −105 | |
| Proceeds from sales of loans originated for sale | 185 | 13 | 3 | 39 | 117 | |
| Decrease (increase) in other assets | 6 | 5 | −7 | −4 | −4 | |
| Deferred income tax | 4 | 779,000 | 2 | 924,000 | 236,000 | |
| (Decrease) increase in other liabilities | −285,000 | 108,000 | 6 | 910,000 | 6 | |
| Net Cash Provided by Operating Activities | 54 | 40 | 41 | 39 | 42 | |
| Proceeds from calls/maturities of investment securities held to maturity | 2 | 727,000 | 1 | 3 | 4 | |
| Proceeds from calls/maturities of investment securities available for sale | 57 | 45 | 33 | 59 | 105 | |
| Proceeds from sales of investment securities available for sale | 169 | 14 | 125 | 3 | 0 | |
| Proceeds from sales of equity securities | 0 | 0 | 592,000 | 811,000 | 0 | |
| Purchase of investment securities available for sale | −183 | 0 | −49 | −284 | −217 | |
| Net purchases of restricted investment in bank stocks | −61,000 | −1 | −8 | 674,000 | 639,000 | |
| Net increase in loans | −7 | −55 | −90 | −72 | 168 | |
| Purchase of bank-owned life insurance | −8 | 0 | 0 | −12 | 0 | |
| Net cash and cash equivalents received from acquisition | 36 | 0 | 0 | — | 0 | |
| Acquisition of insurance books of business/agency | 0 | 0 | −174,000 | −8 | 0 | |
| Capital expenditures | −1 | −960,000 | −1 | −2 | −2 | |
| Proceeds from sales of assets held for sale | 0 | 0 | 4 | 0 | — | |
| Net Cash Provided by Investing Activities | 65 | 2 | 15 | −332 | 61 | |
| Net decrease in noninterest-bearing deposits | −8 | −49 | −95 | −28 | — | |
| Net decrease in interest-bearing deposits | −76 | −20 | −242 | −199 | — | |
| Net increase (decrease) in short-term borrowings | 49 | −41 | 15 | 7 | −3 | |
| Proceeds from long-term borrowings | 0 | 60 | 175 | 2 | 15 | |
| Repayments on long-term borrowings | −40 | 0 | 0 | −15 | −34 | |
| Dividends paid | −14 | −11 | −10 | −9 | −9 | |
| Common stock repurchased | −11 | −249,000 | −2 | −7 | −2 | |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | 642,000 | 424,000 | 721,000 | 713,000 | 60,000 | |
| Net Cash Used in Financing Activities | −100 | −61 | −158 | −249 | 208 | |
| Net Increase (Decrease) in Cash and Cash Equivalents | 18 | −19 | −102 | −542 | 311 | |
| Cash paid for interest | 39 | 23 | 7 | 4 | 8 | |
| Cash paid for Federal income taxes | 5 | 6 | 9 | — | — | |
| Cash paid for State income taxes | 417,000 | 578,000 | 1 | — | — | |
| Recognition of operating lease right of use assets | 729,000 | 0 | 126,000 | 472,000 | — | |
| Recognition of operating lease liabilities | 729,000 | 0 | 126,000 | 472,000 | — | |
| Premises and equipment, net transferred to assets held for sale | 275,000 | 0 | 0 | 3 | 0 | |
| Loans transferred to foreclosed assets held for resale and other foreclosed transactions | 0 | 32,000 | 0 | 474,000 | 101,000 | |
| Net assets acquired | 878 | 0 | 0 | — | — | |
| Liabilities assumed | 794 | 0 | 0 | — | — | |
| Common shares issued | 84 | 0 | 0 | — | — |
Filings
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Frequently asked questions
What is ACNB CORP's CIK number?
ACNB CORP's SEC CIK number is 0000715579 (715579). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find ACNB CORP's SEC filings?
All of ACNB CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did ACNB CORP last report earnings?
ACNB CORP (ACNB) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-026708). This is ACNB CORP's most recent earnings filing of record — not a forecast of its next earnings date.
What is ACNB CORP's most recent earnings 8-K?
ACNB CORP's latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0001628280-26-026708. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View ACNB CORP's latest earnings 8-K →
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