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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	115.84	91.78	80.84	70.25	71.19	78.97
Interest Income on Investments	16.65	15.69	15.8	16.8	6.97	6.32
Total Interest Income	132.49	107.47	96.64	87.05	78.16	85.29
Interest Paid on Deposits	19.67	11.19	3.7	2.56	5.01	10.32
Interest Paid on Borrowings	12.66	12.66	4.63	1.06	1.9	1.9
Total Interest Expense	32.33	23.85	8.32	3.62	6.92	12.22
Net Interest Income	100.16	83.61	88.32	83.43	71.24	73.07
Net Interest Income Growth (YoY)	18.12%	-5.33%	5.87%	17.10%	-2.50%	22.97%
Trust Income	4.35	4.23	3.64	3.16	3.17	2.67
Gain (Loss) on Sale of Assets	-	-	0.34	-	-	-
Gain (Loss) on Sale of Investments	0.04	0.06	-5.22	-0.11	0.44	-0.19
Other Non-Interest Income	16.78	16	15.67	14.21	12.27	11.93
Total Non-Interest Income	28.22	24.73	18.45	21.81	22.78	20.09
Non-Interest Income Growth (YoY)	45.74%	34.07%	-15.42%	-4.25%	13.37%	10.57%
Revenues Before Loan Losses	128.37	108.34	106.77	105.23	94.02	93.16
Provision for Loan Losses	5.32	-2.76	0.84	-	0.05	9.14
Revenue	123.05	111.1	105.92	105.23	93.97	84.02
Revenue Growth (YoY)	15.32%	4.89%	0.66%	11.98%	11.85%	9.13%
Salaries and Employee Benefits	46.51	41.67	39.93	35.25	36.45	34.76
Occupancy Expenses	0.6	-	-	-	3.15	2.66
Federal Deposit Insurance	1.54	1.43	1.39	1.13	0.96	0.62
Amortization of Goodwill & Intangibles	2.61	1.24	1.42	1.49	1.16	1.26
Selling, General & Administrative	16.58	14.89	13.75	13.5	9.81	9.71
Other Non-Interest Expense	11.39	9.42	9.59	8.91	7.41	6.35
Total Non-Interest Expense	79.34	68.64	66.07	60.28	58.95	55.35
EBT Excluding Unusual Items	43.72	42.46	39.85	44.95	35.02	28.67
Pretax Income	32.01	40.42	39.85	44.95	35.02	22.7
Income Tax Expense	6.83	8.57	8.16	9.2	7.19	4.31
Net Income	25.18	31.85	31.69	35.75	27.83	18.39
Net Income to Common	25.18	31.85	31.69	35.75	27.83	18.39
Net Income Growth	-19.28%	0.50%	-11.37%	28.45%	51.32%	-22.46%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9	9
Shares Change (YoY)	9.66%	0.01%	-1.01%	-1.05%	0.88%	22.33%
EPS (Basic)	2.70	3.75	3.72	4.15	3.19	2.13
EPS (Diluted)	2.69	3.73	3.71	4.15	3.19	2.13
EPS Growth	-26.53%	0.54%	-10.52%	29.82%	50.00%	-36.61%
Dividend Per Share	1.300	1.260	1.140	1.060	1.010	1.000
Dividend Growth	8.33%	10.53%	7.55%	4.95%	1.00%	2.04%
Effective Tax Rate	21.34%	21.21%	20.48%	20.46%	20.52%	18.98%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q