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ACNB Corporation (ACNB) investor relations material
ACNB Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $14.9 million ($1.42 diluted EPS), up from $7.2 million ($0.84 EPS) in Q3 2024 and $11.6 million ($1.11 EPS) in Q2 2025, primarily due to the Traditions acquisition.
For the nine months ended September 30, 2025, net income was $26.2 million ($2.56 EPS), compared to $25.3 million ($2.96 EPS) in the prior year.
Record quarterly net income was driven by the successful acquisition and integration of Traditions Bancorp, Inc. completed in February 2025.
Return on average assets was 1.80% and return on average equity was 14.66% for Q3 2025.
The acquisition of Traditions Bancorp added $877.7 million in assets, $648.5 million in loans, and $741.5 million in deposits at closing.
Financial highlights
Net interest income for Q3 2025 was $32.1 million, up $1.1 million from Q2 2025 and $11.2 million year-over-year; nine-month net interest income was $90.2 million, up $27.7 million.
FTE net interest margin rose to 4.27% in Q3 2025 from 4.21% in Q2 2025 and 3.77% in Q3 2024; nine-month margin was 4.19%.
Noninterest income for Q3 2025 was $8.4 million, up $1.6 million year-over-year but down $271 thousand sequentially; nine-month noninterest income was $24.3 million, up 28.3%.
Noninterest expenses for Q3 2025 were $22.4 million, up 22.6% year-over-year but down $3.0 million sequentially; nine-month expenses were $77.1 million, up 47.4%.
Efficiency ratio improved to 51.96% in Q3 2025 from 56.21% in Q2 2025 and 60.56% in Q3 2024.
Outlook and guidance
Management expects continued integration of the Traditions acquisition to drive growth in loans and deposits.
Focus remains on loan growth in local markets, maintaining a competitive deposit base, and diversifying revenue streams through insurance, wealth management, and mortgage services.
Strategic planning objectives focus on long-term shareholder growth and leveraging community banking principles.
What specific financial benefits from the Traditions acquisition?
Assess capital management strategies and their impact
Evaluate performance of non-interest revenue streams
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Next ACNB Corporation earnings date
Q4 202522 Jan, 2026
Next ACNB Corporation earnings date
Q4 202522 Jan, 2026
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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.
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