| Metric | Value ($ M) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 52.50 | 3.9% | 4.5% |
| Total Income | 52.50 | 3.9% | 4.5% |
| Expenditure | 37.29 | 1.3% | 3.4% |
| PBT | 19.25 | 11.5% | 29.1% |
| Net Profit | 15.21 | 11.0% | 30.6% |
| OPM | — | ||
| NPM | 28.98% | 1.85pp | 5.80pp |
| EPS | 1.50 | 13.6% | 35.1% |
ACNB Corporation Reports Record 2026 Second Quarter Financial Results
23 Jul 2026 · 23 Jul, 6:21 pm
Summary
ACNB Corporation reported record financial results for the second quarter ended June 30, 2026, with net income of $15.2 million, or $1.49 diluted earnings per share. The company achieved a fully taxable equivalent net interest margin of 4.56%, up from 4.21% in the prior year quarter, driven by loan growth and lower funding costs. Total loans increased by 2.1% to $2.40 billion, while noninterest-bearing deposits saw a significant increase of 4.3%. Management highlighted the strong performance as a reflection of successful strategic execution and a robust business model, leading to increased dividends and continued share repurchases.
Key Highlights
- 1
ACNB Corporation announced net income of $15.2 million, or $1.49 diluted earnings per share, for the three months ended June 30, 2026.
- 2
Fully taxable equivalent (FTE) net interest margin was 4.56% for the three months ended June 30, 2026, an increase from 4.21% in the prior year quarter.
- 3
Total loans outstanding were $2.40 billion at June 30, 2026, an increase of 2.1% from March 31, 2026.
- 4
Total noninterest-bearing deposits increased by 4.3% from March 31, 2026, equating to an annualized growth rate of 18.3%.
- 5
ACNB paid a regular quarterly cash dividend of $0.42 during the three months ended June 30, 2026, a 10.5% increase over the prior quarter.
- 6
ACNB also paid a one-time special cash dividend of $0.50 per share during the three months ended June 30, 2026.
- 7
ACNB repurchased 179,407 shares of ACNB common stock in the second quarter of 2026.
Management Comments
James P. Helt
Our record setting second quarter performance reflects the successful execution of our strategic priorities and the strength of our balanced business model. Record earnings, strong loan production, stable asset quality, and robust noninterest-bearing deposit growth demonstrate the resilience of our franchise and our ability to deliver consistent value for our shareholders. During the quarter, we were pleased to increase our regular quarterly cash dividend, declare a special dividend and continue our share repurchase program, reflecting both our strong financial position and confidence in the long-term outlook for the Company. These results are driven by the exceptional commitment of our employees, whose focus on serving our customers and communities continues to differentiate our organization. Their dedication to executing our strategic plan enables us to deepen customer relationships, capitalize on growth opportunities, and strengthen our competitive position. As we look ahead, we remain committed to disciplined growth, prudent risk management, and delivering sustainable long-term shareholder value while advancing our vision of being the financial provider of choice in the markets we serve.
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