Financial Statements — ACNB
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.09 | 0.10 | 0.10 | 0.12 | 0.06 | 0.09 | 0.05 | 0.06 | 0.08 | 0.11 | 0.36 | 0.40 | 0.48 | 0.72 | 0.59 | 0.51 |
| Net Loans & Leases | 2.33 | 2.31 | 2.32 | 2.30 | 1.66 | 1.66 | 1.64 | 1.60 | 1.55 | 1.51 | 1.51 | 1.49 | 1.47 | -- | -- | -- |
| Total Assets | 3.27 | 3.25 | 3.26 | 3.27 | 2.42 | 2.46 | 2.41 | 2.39 | 2.38 | 2.41 | 2.65 | 2.68 | 2.75 | 2.79 | 2.71 | 2.65 |
| Total Deposits | 2.53 | 2.47 | 2.52 | 2.54 | 1.79 | 1.84 | 1.84 | 1.95 | 1.96 | 2.06 | 2.34 | 2.36 | 2.41 | 2.42 | 2.34 | 2.28 |
| Long-term Debt | 0.22 | 0.26 | 0.26 | 0.26 | 0.26 | 0.26 | 0.26 | 0.12 | 0.08 | 0.05 | 0.02 | 0.02 | 0.03 | 0.04 | 0.05 | 0.07 |
| Total Liabilities | 2.84 | 2.84 | 2.86 | 2.88 | 2.11 | 2.17 | 2.13 | 2.13 | 2.12 | 2.16 | 2.42 | 2.44 | 2.49 | 2.52 | 2.44 | 2.40 |
| Retained Earnings | 0.27 | 0.25 | 0.24 | 0.23 | 0.23 | 0.23 | 0.22 | 0.21 | 0.21 | 0.20 | 0.19 | 0.18 | 0.17 | 0.17 | 0.16 | 0.15 |
| Total Stockholder Equity | 0.43 | 0.41 | 0.40 | 0.39 | 0.31 | 0.29 | 0.28 | 0.26 | 0.26 | 0.26 | 0.23 | 0.25 | 0.26 | 0.27 | 0.27 | 0.26 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 42.23 | 42.86 | 42.49 | 41.58 | 36.29 | 27.38 | 27.24 | 26.87 | 25.97 | 25.28 | 24.23 | 23.21 | 23.91 | 24.89 | 23.38 | 20.70 | 18.08 | 18.67 | 19.48 | 20.63 |
| Interest Expense | 9.72 | 10.01 | 10.35 | 10.56 | 9.20 | 6.27 | 6.30 | 5.91 | 5.38 | 3.79 | 2.49 | 1.22 | 0.82 | 0.85 | 0.86 | 0.89 | 1.02 | 1.32 | 1.48 | 2.06 |
| Net Interest Income* | 32.52 | 32.85 | 32.14 | 31.01 | 27.09 | 21.11 | 20.94 | 20.96 | 20.59 | 21.49 | 21.75 | 21.99 | 23.09 | 24.05 | 22.52 | 19.80 | 17.05 | 17.35 | 18.00 | 18.57 |
| Provision for Credit Losses | (0.08) | 0.59 | (0.58) | (0.23) | 5.49 | (0.08) | 0.08 | -- | -- | -- | -- | -- | -- | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Non-interest Income | 8.27 | 4.33 | 8.41 | 8.68 | 7.18 | 5.80 | 6.83 | 6.43 | 5.67 | 0.97 | 6.30 | 6.19 | 4.98 | 5.42 | 5.85 | 6.08 | 4.46 | 5.63 | 5.27 | 5.96 |
| Non-interest Expense | 23.62 | 23.45 | 22.36 | 25.37 | 29.34 | 18.39 | 18.24 | 16.39 | 17.66 | 17.17 | 16.34 | 16.28 | 16.28 | 16.67 | 15.32 | 15.01 | 13.28 | 17.46 | 13.98 | 13.73 |
| Pretax Income | 17.26 | 13.18 | 18.92 | 14.91 | (0.55) | 8.23 | 9.41 | 14.25 | 8.53 | 4.75 | 11.63 | 12.06 | 11.42 | 12.80 | 13.05 | 10.87 | 8.23 | 5.53 | 9.30 | 10.79 |
| Net Income | 13.70 | 10.81 | 14.87 | 11.65 | (0.27) | 6.60 | 7.20 | 11.28 | 6.77 | 4.10 | 9.04 | 9.52 | 9.02 | 10.20 | 10.32 | 8.63 | 6.60 | 4.50 | 7.36 | 8.51 |
| Basic EPS | 1.32 | 1.10 | 1.43 | 1.11 | (0.03) | 0.78 | 0.85 | 1.32 | 0.80 | 0.48 | 1.06 | 1.12 | 1.06 | 1.20 | 1.20 | 0.99 | 0.76 | 0.51 | 0.84 | 0.98 |
| Diluted EPS | 1.32 | 1.10 | 1.42 | 1.11 | (0.03) | 0.77 | 0.84 | 1.32 | 0.80 | 0.47 | 1.06 | 1.12 | 1.06 | -- | -- | -- | -- | -- | -- | -- |
* Derived from reported values
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 24.32 | 12.76 | 23.20 | 17.76 | (0.07) | 5.71 | 13.55 | 9.71 | 10.82 | 8.61 | 7.52 | 9.55 | 14.92 | 9.73 | 13.06 | 9.25 | 7.16 | 8.31 | 8.65 | 16.13 |
| Capital Expenditures | 0.33 | 0.17 | 0.43 | (0.18) | 0.66 | 0.37 | 0.22 | 0.29 | 0.08 | 0.99 | 0.07 | 0.05 | 0.06 | 0.61 | 0.49 | 0.39 | 0.33 | 1.05 | 0.28 | 0.18 |
| Free Cash Flow* | 23.99 | 12.58 | 22.77 | 17.95 | (0.73) | 5.33 | 13.33 | 9.42 | 10.74 | 7.62 | 7.45 | 9.51 | 14.86 | 9.12 | 12.57 | 8.86 | 6.83 | 7.27 | 8.37 | 15.95 |
| Investing Cash Flow | (23.24) | (11.81) | 3.00 | (15.48) | 88.93 | 6.71 | 19.33 | (9.07) | (14.54) | (13.10) | (32.77) | (1.71) | 63.02 | (55.93) | (30.35) | (33.27) | (212.18) | (10.05) | 42.48 | 25.34 |
| Financing Cash Flow | 26.91 | (37.44) | (27.17) | (22.74) | (12.55) | (23.25) | (61.06) | 32.50 | (9.10) | 6.41 | 5.25 | (37.86) | (132.04) | (142.67) | (21.30) | (57.99) | (27.49) | (10.91) | 78.79 | 44.64 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Dividends Per Share | 0.38 | 0.38 | 0.34 | 0.34 | 0.32 | 0.32 | 0.32 | 0.32 | 0.30 | 0.30 | 0.28 | 0.28 | 0.28 | 0.28 | 0.26 | 0.26 | 0.26 | 0.26 | 0.25 | 0.27 |
