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	Jun '26 Jun 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	149.79	143.76	91.78	80.84	70.25	71.19
Interest Income on Investments	21.47	19.45	15.69	15.8	16.8	6.97
Total Interest Income	171.26	163.21	107.47	96.64	87.05	78.16
Interest Paid on Deposits	26.42	26.7	11.19	3.7	2.56	5.01
Interest Paid on Borrowings	13.34	13.42	12.66	4.63	1.06	1.9
Total Interest Expense	39.76	40.12	23.85	8.32	3.62	6.92
Net Interest Income	131.51	123.09	83.61	88.32	83.43	71.24
Net Interest Income Growth	31.30%	47.22%	-5.33%	5.87%	17.10%	-2.50%
Trust Income	4.68	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	-3.51	-3.51	0.06	-5.22	-0.11	0.44
Other Non-Interest Income	17.74	17.25	16	15.67	14.21	12.27
Total Non-Interest Income	29.66	28.32	24.73	18.45	21.81	22.78
Non-Interest Income Growth	5.12%	14.53%	34.07%	-15.42%	-4.25%	13.37%
Revenues Before Loan Losses	161.17	151.41	108.34	106.77	105.23	94.02
Provision for Loan Losses	0.18	4.73	-2.76	0.84	-	0.05
Revenue	160.98	146.68	111.1	105.92	105.23	93.97
Revenue Growth	30.83%	32.02%	4.89%	0.66%	11.98%	11.85%
Salaries and Employee Benefits	52.29	51.37	41.67	39.93	35.25	36.45
Occupancy Expenses	0.02	-	-	-	-	3.15
Federal Deposit Insurance	1.82	1.75	1.43	1.39	1.13	0.96
Amortization of Goodwill & Intangibles	4.34	4.26	1.24	1.42	1.49	1.16
Selling, General & Administrative	19.46	18.73	14.89	13.75	13.5	9.81
Other Non-Interest Expense	13.87	13.7	9.42	9.59	8.91	7.41
Total Non-Interest Expense	91.81	89.8	68.64	66.07	60.28	58.95
EBT Excluding Unusual Items	69.17	56.89	42.46	39.85	44.95	35.02
Pretax Income	68.6	46.45	40.42	39.85	44.95	35.02
Income Tax Expense	14.01	9.4	8.57	8.16	9.2	7.19
Net Income	54.59	37.05	31.85	31.69	35.75	27.83
Net Income to Common	54.59	37.05	31.85	31.69	35.75	27.83
Net Income Growth	116.85%	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	10.73%	20.54%	0.01%	-1.01%	-1.05%	0.88%
EPS (Basic)	5.29	3.61	3.75	3.72	4.15	3.19
EPS (Diluted)	5.27	3.60	3.73	3.71	4.15	3.19
EPS Growth	96.04%	-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	Jun '26 Jun 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	1.520	1.380	1.260	1.140	1.060	1.010
Dividend Growth	16.92%	9.52%	10.53%	7.55%	4.95%	1.00%
Effective Tax Rate	20.42%	20.24%	21.21%	20.48%	20.46%	20.52%

SEC Filings: 10-K · 10-Q