ACNB (ACNB) Q3 2026 earnings summary

Executive summary

• Record quarterly net income of $15.7 million, or $1.55 diluted EPS, vs. $15.2 million/$1.49 in Q2 2026 and $14.9 million/$1.42 in Q3 2025.

• Management cited modest loan growth, stronger core funding that enabled repayment of brokered deposits, and resilient overall credit quality.

• Management said it remains positioned to pursue growth opportunities while maintaining financial strength and discipline.

Financial highlights

• Q3 net interest income was $34.8 million, up $773,000 QoQ and $2.6 million YoY; drivers included loan growth and higher-yielding new loan and securities funding.

• Q3 noninterest income was $9.0 million, up 2.4% QoQ and 7.4% YoY; noninterest expense was $23.2 million, up 0.4% QoQ and 3.8% YoY.

• Q3 provision for credit losses was $1.1 million vs. a $584,000 reversal in Q3 2025; net income after credit-loss and unfunded-commitment provisions was $33.9 million.

• Nine-month net interest income was $101.3 million vs. $90.2 million in 2025; noninterest income was $26.1 million vs. $24.3 million, and net income was $44.6 million vs. $26.2 million.

Outlook and guidance

• Management expects to pursue growth opportunities while preserving financial strength and disciplined execution; no numerical earnings or balance-sheet guidance was stated.