ACNB Corporation (NASDAQ: ACNB) announced on October 23, 2025 that it posted net income of $14.9 million, or $1.42 diluted earnings per share, for the three months ended September 30, 2025. This represents a 106% increase in net income and a 69% increase in diluted EPS compared with the same quarter in 2024, when the company earned $7.2 million ($0.84 EPS).
The third‑quarter results also show a strong interest‑income profile: net interest income rose to $32.1 million, up $1.1 million from the second quarter and $11.2 million from the same period a year earlier. The fully taxable equivalent net interest margin improved to 4.27%, a 6‑basis‑point gain over the second quarter and a 50‑basis‑point increase versus September 30, 2024.
Operating income was supported by higher loan and deposit balances following the February 2025 acquisition of Traditions Bancorp. Total loans increased to $2.34 billion, and total deposits rose to $2.47 billion, reflecting the $877.7 million asset addition from the acquisition. The company also reported a $23.7 million allowance for credit losses, up $6.4 million from the prior year, and a $4.3 million increase in unrealized gains on available‑for‑sale securities.
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