ACNB Corporation (ACNB)

ACNB Corporation Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	129.71	91.78	80.84	70.25	71.19	78.97
Interest Income on Investments	18.03	15.69	15.8	16.8	6.97	6.32
Total Interest Income	147.74	107.47	96.64	87.05	78.16	85.29
Interest Paid on Deposits	23.43	11.19	3.7	2.56	5.01	10.32
Interest Paid on Borrowings	12.96	12.66	4.63	1.06	1.9	1.9
Total Interest Expense	36.39	23.85	8.32	3.62	6.92	12.22
Net Interest Income	111.35	83.61	88.32	83.43	71.24	73.07
Net Interest Income Growth (YoY)	32.57%	-5.33%	5.87%	17.10%	-2.50%	22.97%
Trust Income	4.28	4.23	3.64	3.16	3.17	2.67
Gain (Loss) on Sale of Assets	-	-	0.34	-	-	-
Gain (Loss) on Sale of Investments	0.02	0.06	-5.22	-0.11	0.44	-0.19
Other Non-Interest Income	16.85	16	15.67	14.21	12.27	11.93
Total Non-Interest Income	29.8	24.73	18.45	21.81	22.78	20.09
Non-Interest Income Growth (YoY)	49.75%	34.07%	-15.42%	-4.25%	13.37%	10.57%
Revenues Before Loan Losses	141.15	108.34	106.77	105.23	94.02	93.16
Provision for Loan Losses	4.47	-2.76	0.84	-	0.05	9.14
Revenue	136.68	111.1	105.92	105.23	93.97	84.02
Revenue Growth (YoY)	28.45%	4.89%	0.66%	11.98%	11.85%	9.13%
Salaries and Employee Benefits	48.8	41.67	39.93	35.25	36.45	34.76
Occupancy Expenses	0.87	-	-	-	3.15	2.66
Federal Deposit Insurance	1.63	1.43	1.39	1.13	0.96	0.62
Amortization of Goodwill & Intangibles	3.43	1.24	1.42	1.49	1.16	1.26
Selling, General & Administrative	17.36	14.89	13.75	13.5	9.81	9.71
Other Non-Interest Expense	12.33	9.42	9.59	8.91	7.41	6.35
Total Non-Interest Expense	84.42	68.64	66.07	60.28	58.95	55.35
EBT Excluding Unusual Items	52.25	42.46	39.85	44.95	35.02	28.67
Pretax Income	41.51	40.42	39.85	44.95	35.02	22.7
Income Tax Expense	8.67	8.57	8.16	9.2	7.19	4.31
Net Income	32.84	31.85	31.69	35.75	27.83	18.39
Net Income to Common	32.84	31.85	31.69	35.75	27.83	18.39
Net Income Growth	11.90%	0.50%	-11.37%	28.45%	51.32%	-22.46%
Basic Shares Outstanding	10	9	9	9	9	9
Diluted Shares Outstanding	10	9	9	9	9	9
Shares Change (YoY)	15.29%	0.01%	-1.01%	-1.05%	0.88%	22.33%
EPS (Basic)	3.35	3.75	3.72	4.15	3.19	2.13
EPS (Diluted)	3.34	3.73	3.71	4.15	3.19	2.13
EPS Growth	-2.84%	0.54%	-10.52%	29.82%	50.00%	-36.61%
Dividend Per Share	1.320	1.260	1.140	1.060	1.010	1.000
Dividend Growth	6.45%	10.53%	7.55%	4.95%	1.00%	2.04%
Effective Tax Rate	20.89%	21.21%	20.48%	20.46%	20.52%	18.98%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q