ACNB Corporation announced net income of $11.6 million, or $1.11 diluted earnings per share, for the three months ended June 30, 2025. This compares to net income of $11.3 million, or $1.32 diluted earnings per share, for the second quarter of 2024.
The second quarter of 2025 represents the first full quarter of combined operations including Traditions Bank, a division of ACNB Bank, and the company successfully completed its system conversion. Net interest income increased by $10.0 million year-over-year to $31.0 million, with the fully taxable equivalent net interest margin rising 39 basis points to 4.21%.
Noninterest income increased by $2.3 million year-over-year to $8.7 million, driven by mortgage banking gains and insurance commissions. Merger-related expenses decreased significantly to $1.9 million in Q2 2025 from $8.0 million in Q1 2025. Total loans outstanding increased by $662.2 million year-over-year to $2.34 billion, and total deposits increased by $686.0 million year-over-year to $2.52 billion.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.