ACNB Corporation (ACNB)

ACNB Corporation Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	143.76	91.78	80.84	70.25	71.19
Interest Income on Investments	19.45	15.69	15.8	16.8	6.97
Total Interest Income	163.21	107.47	96.64	87.05	78.16
Interest Paid on Deposits	26.7	11.19	3.7	2.56	5.01
Interest Paid on Borrowings	13.42	12.66	4.63	1.06	1.9
Total Interest Expense	40.12	23.85	8.32	3.62	6.92
Net Interest Income	123.09	83.61	88.32	83.43	71.24
Net Interest Income Growth (YoY)	47.22%	-5.33%	5.87%	17.10%	-2.50%
Trust Income	4.48	4.23	3.64	3.16	3.17
Gain (Loss) on Sale of Assets	-	-	0.34	-	-
Gain (Loss) on Sale of Investments	-3.51	0.06	-5.22	-0.11	0.44
Other Non-Interest Income	17.25	16	15.67	14.21	12.27
Total Non-Interest Income	28.32	24.73	18.45	21.81	22.78
Non-Interest Income Growth (YoY)	14.53%	34.07%	-15.42%	-4.25%	13.37%
Revenues Before Loan Losses	151.41	108.34	106.77	105.23	94.02
Provision for Loan Losses	4.73	-2.76	0.84	-	0.05
Revenue	146.68	111.1	105.92	105.23	93.97
Revenue Growth (YoY)	32.02%	4.89%	0.66%	11.98%	11.85%
Salaries and Employee Benefits	52.78	41.67	39.93	35.25	36.45
Occupancy Expenses	5.18	-	-	-	3.15
Federal Deposit Insurance	1.75	1.43	1.39	1.13	0.96
Amortization of Goodwill & Intangibles	4.26	1.24	1.42	1.49	1.16
Selling, General & Administrative	12.14	14.89	13.75	13.5	9.81
Other Non-Interest Expense	13.7	9.42	9.59	8.91	7.41
Total Non-Interest Expense	89.8	68.64	66.07	60.28	58.95
EBT Excluding Unusual Items	56.89	42.46	39.85	44.95	35.02
Pretax Income	46.45	40.42	39.85	44.95	35.02
Income Tax Expense	9.4	8.57	8.16	9.2	7.19
Net Income	37.05	31.85	31.69	35.75	27.83
Net Income to Common	37.05	31.85	31.69	35.75	27.83
Net Income Growth	16.34%	0.50%	-11.37%	28.45%	51.32%
Basic Shares Outstanding	10	9	9	9	9
Diluted Shares Outstanding	10	9	9	9	9
Shares Change (YoY)	20.54%	0.01%	-1.01%	-1.05%	0.88%
EPS (Basic)	3.61	3.75	3.72	4.15	3.19
EPS (Diluted)	3.60	3.73	3.71	4.15	3.19
EPS Growth	-3.48%	0.54%	-10.52%	29.82%	50.00%
Dividend Per Share	1.380	1.260	1.140	1.060	1.010
Dividend Growth	9.52%	10.53%	7.55%	4.95%	1.00%
Effective Tax Rate	20.24%	21.21%	20.48%	20.46%	20.52%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q