ACNB Corporation Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	151.64	143.76	91.78	80.84	70.25	71.19
Interest Income on Investments	22.08	19.45	15.69	15.8	16.8	6.97
Total Interest Income	173.72	163.21	107.47	96.64	87.05	78.16
Interest Paid on Deposits	26.21	26.7	11.19	3.7	2.56	5.01
Interest Paid on Borrowings	13.37	13.42	12.66	4.63	1.06	1.9
Total Interest Expense	39.58	40.12	23.85	8.32	3.62	6.92
Net Interest Income	134.14	123.09	83.61	88.32	83.43	71.24
Net Interest Income Growth	20.47%	47.22%	-5.33%	5.87%	17.10%	-2.50%
Trust Income	4.8	4.48	4.23	3.64	3.16	3.17
Gain (Loss) on Sale of Assets	0.18	-	-	0.34	-	-
Gain (Loss) on Sale of Investments	-3.55	-3.51	0.06	-5.22	-0.11	0.44
Other Non-Interest Income	18.04	17.25	16	15.67	14.21	12.27
Total Non-Interest Income	29.6	28.32	24.73	18.45	21.81	22.78
Non-Interest Income Growth	-0.67%	14.53%	34.07%	-15.42%	-4.25%	13.37%
Revenues Before Loan Losses	163.74	151.41	108.34	106.77	105.23	94.02
Provision for Loan Losses	1.81	4.73	-2.76	0.84	-	0.05
Revenue	161.92	146.68	111.1	105.92	105.23	93.97
Revenue Growth	18.47%	32.02%	4.89%	0.66%	11.98%	11.85%
Salaries and Employee Benefits	53.47	51.37	41.67	39.93	35.25	36.45
Occupancy Expenses	0.01	-	-	-	-	3.15
Federal Deposit Insurance	1.8	1.75	1.43	1.39	1.13	0.96
Amortization of Goodwill & Intangibles	4.23	4.26	1.24	1.42	1.49	1.16
Selling, General & Administrative	19.38	18.73	14.89	13.75	13.5	9.81
Other Non-Interest Expense	13.95	13.7	9.42	9.59	8.91	7.41
Total Non-Interest Expense	92.84	89.8	68.64	66.07	60.28	58.95
EBT Excluding Unusual Items	69.09	56.89	42.46	39.85	44.95	35.02
Pretax Income	69.37	46.45	40.42	39.85	44.95	35.02
Income Tax Expense	13.92	9.4	8.57	8.16	9.2	7.19
Net Income	55.45	37.05	31.85	31.69	35.75	27.83
Net Income to Common	55.45	37.05	31.85	31.69	35.75	27.83
Net Income Growth	68.84%	16.34%	0.50%	-11.37%	28.45%	51.32%
Basic Shares Outstanding	10	10	9	9	9	9
Diluted Shares Outstanding	10	10	9	9	9	9
Shares Change	4.61%	20.54%	0.01%	-1.01%	-1.05%	0.88%
EPS (Basic)	5.41	3.61	3.75	3.72	4.15	3.19
EPS (Diluted)	5.39	3.60	3.73	3.71	4.15	3.19
EPS Growth	61.61%	-3.48%	0.54%	-10.52%	29.82%	50.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.600	1.380	1.260	1.140	1.060	1.010
Dividend Growth	21.21%	9.52%	10.53%	7.55%	4.95%	1.00%
Effective Tax Rate	20.07%	20.24%	21.21%	20.48%	20.46%	20.52%

SEC Filings: 10-K · 10-Q