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Edge1 May 2026
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ACNB
ACNB (ACNB) investor relations material
ACNB Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary23 Apr, 2026
Executive summary
Net income reached $13.7 million ($1.32 diluted EPS) for Q1 2026, up from a net loss of $272 thousand in Q1 2025 and $10.8 million in Q4 2025.
Profitability improved with ROAA at 1.71% and ROAE at 12.97% for Q1 2026.
Results reflect strong core banking, disciplined expense management, and stable asset quality.
Financial highlights
Net interest income was $32.5 million, up $5.4 million year-over-year, but down $336 thousand sequentially.
FTE net interest margin rose to 4.46% from 4.07% a year ago and 4.36% last quarter.
Noninterest income was $8.3 million, up $1.1 million year-over-year, driven by acquisition and gains on mortgage loans and insurance.
Noninterest expense was $23.6 million, down $5.7 million year-over-year due to lower merger-related costs.
Total loans outstanding were $2.35 billion, up 0.8% sequentially and 1.2% year-over-year.
Total deposits were $2.53 billion, up $75.6 million sequentially.
Tangible book value per share increased to $32.99 from $28.23 a year ago.
Outlook and guidance
Management remains focused on sustainable earnings, disciplined risk management, and long-term shareholder value.
Strong capital levels provide flexibility for future growth.
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Latest events from ACNB
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Proxy filing30 Mar 2026 - Proxy covers director elections, compensation, capital structure changes, and governance updates.ACNBProxy filing19 Mar 2026
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- Proxy covers director elections, say-on-pay, auditor ratification, and robust governance.ACNBProxy Filing2 Dec 2025
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- Q3 2024 earnings fell on merger costs, but noninterest income and book value increased.ACNBQ3 202413 Jun 2025
- Strong earnings, stable asset quality, and strategic expansion define ACNB's 2Q24 performance.ACNBInvestor Presentation13 Jun 2025
Next ACNB earnings date
Q2 202629 Jul, 2026
ACNB
Next ACNB earnings date
Q2 202629 Jul, 2026
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