ACNB Corporation Reports Record 2026 Third Quarter Financial Results
Key Highlights
- ➤Net income $15.7 million, or $1.55 EPS, reaches record quarterly performance
- ➤FTE net interest margin 4.56%, up 29 basis points year over year
- ➤Total loans $2.41 billion, up $69.9 million year over year
- ➤Nonperforming loans ratio 0.45% after four loans migrated to nonaccrual
- ➤Noninterest-bearing deposits $612.6 million, up 2.0% quarter over quarter
Expert Statements
James P. Helt, President and Chief Executive Officer of ACNB Corporation
“We are pleased to report the strongest quarterly earnings performance in our Company's 169-year history, reflecting the enduring strength of our community banking franchise, disciplined execution, and unwavering focus on serving our customers and communities.”
James P. Helt, President and Chief Executive Officer of ACNB Corporation
“During the quarter, we achieved modest loan growth, saw solid core funding growth that allowed us to pay off some brokered deposits, and continued to demonstrate resilient asset quality performance.”
James P. Helt, President and Chief Executive Officer of ACNB Corporation
“While we experienced an isolated credit issue during the quarter, our overall credit metrics remain sound and consistent with our long-standing conservative risk management culture.”
James P. Helt, President and Chief Executive Officer of ACNB Corporation
“These results highlight the dedication of our employees, the trust of our customers, and the strength of a relationship-based banking model that continues to create value for our shareholders.”
James P. Helt, President and Chief Executive Officer of ACNB Corporation
“As we look ahead, we remain well positioned to capitalize on growth opportunities while maintaining the financial strength and discipline that have defined our Company for nearly 170 years.”
GETTYSBURG, Pa., Oct. 22, 2026 (GLOBE NEWSWIRE) -- ACNB Corporation (NASDAQ: ACNB) (“ACNB” or the “Corporation”), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced net income of $15.7 million, or $1.55 diluted earnings per share, for the three months ended September 30, 2026 compared to net income of $15.2 million, or $1.49 diluted earnings per share, for the three months ended June 30, 2026 and compared to net income of $14.9 million, or $1.42 diluted earnings per share, for the three months ended September 30, 2025. ACNB completed the acquisition of Traditions Bancorp, Inc. on February 1, 2025 (“Acquisition”).
2026 Third Quarter Highlights * Return on average assets was 1.87% and return on average equity was 14.67% for the three months ended September 30, 2026 * Fully taxable equivalent (“FTE”) net interest margin was 4.56% for both the three months ended September 30, 2026 and the three months ended June 30, 2026, and 4.27% for the three months ended September 30, 2025 * Total noninterest-bearing deposits were $612.6 million at September 30, 2026, an increase of 2.0% from June 30, 2026; equating to an annualized growth rate of 8.17% * Tangible common equity to tangible assets ratio(1) of 10.47% at September 30, 2026 and June 30, 2026 compared to 10.14% at September 30, 2025 * ACNB repurchased 11,288 shares of ACNB common stock in open market transactions during the three months ended September 30, 2026 at a weighted average price of $65.01 per share. There are 242,404 shares remaining in the current open market repurchase plan * ACNB paid a regular quarterly cash dividend of $0.42 during the three months ended September 30, 2026 and the three months ended June 30, 2026, an increase of $0.08, or 23.5%, over the $0.34 regular cash dividend paid during the three months ended September 30, 2025 (1 Non-GAAP financial measure. Please refer to the calculation on the page titled “Non-GAAP Reconciliation” at the end of this document.)
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