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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ACNB
ACNB (ACNB) investor relations material
ACNB Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Record Q3 2026 net income was $15.7m, or $1.55 diluted EPS, vs. $14.9m and $1.42 a year earlier.
9M net income reached $44.6m vs. $26.2m; 2025 included acquisition-related credit provision and merger costs.
Loan growth, higher-yielding assets and lower funding costs supported earnings; Q3 FTE NIM rose 29 bps YoY to 4.56%.
Management cited stronger core funding, repayment of brokered deposits and resilient overall credit quality.
Financial highlights
Q3 net interest income was $34.8m vs. $32.1m; noninterest income was $9.0m vs. $8.4m, and noninterest expense was $23.2m vs. $22.4m.
9M net interest income was $101.3m vs. $90.2m; noninterest income was $26.1m vs. $24.3m, and noninterest expense fell to $70.0m from $77.1m.
Q3 provision for credit losses was $1.1m vs. a $584k reversal in Q3 2025; the increase primarily reflected a specific C&I relationship allowance.
Q3 life insurance proceeds contributed $687k of noninterest income; 9M proceeds totaled $861k, reflecting death benefits on former officers/director policies.
2025 9M results included $4.2m of acquisition-related non-PCD credit provision and $7.9m of merger costs, both net of taxes; 2025 also included January standalone results.
Outlook and guidance
Strategy emphasizes local-market loan growth and competitive deposit products and services; management aims to pursue growth while maintaining financial strength and disciplined execution.
Rate simulation showed modeled 12-month NII changes of +1.2% and +2.4% at +100 and +200 bps, and -1.0% and -2.1% at -100 and -200 bps; position was modestly asset-sensitive.
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Latest events from ACNB
- Lower credit provisions lifted earnings, but margin pressure and rising nonaccruals cloud the outlook.ACNB
Q4 2013 - Lower credit costs lifted 2014 earnings as loan growth offset margin pressure.ACNBQ4 2014
- Earnings and balance-sheet growth advanced despite low-rate and competitive pressure.ACNBQ4 2015
- Record net interest income and loan growth supported 2016 results amid margin pressure and expansion plans.ACNBQ4 2016
- Acquisition-led expansion lifted assets 32%, while adjusted net income rose 30%.ACNBQ4 2017
- Record earnings and expanding loan, deposit, wealth and insurance activity marked 2018.ACNBQ4 2018
- Record 2019 earnings and dividends preceded a major Maryland acquisition.ACNBQ4 2019
- Record 2021 earnings and stronger capital amid deposit-driven liquidity and loan portfolio runoff.ACNBQ4 2021
- Acquisition-led growth lifted net interest income, but pandemic pressures cut reported earnings.ACNBQ4 2020
- Record FY22 earnings were powered by stronger net interest income and higher asset yields.ACNBQ4 2022
Next ACNB earnings date
Q4 202622 Jan, 2027
ACNB
Next ACNB earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
ACNB Corporation is a financial holding company headquartered in Gettysburg, Pennsylvania. It operates through its primary subsidiary, ACNB Bank, which provides a range of financial services including personal and commercial banking, wealth management, and trust services. The company also operates ACNB Insurance Services, Inc., a full-service insurance agency offering property, casualty, health, life, and disability insurance products to both personal and commercial clients. The company is headquartered in Gettysburg, Pennsylvania, and its shares are listed on the NASDAQ.