ACNB Corporation, a financial holding company based in Gettysburg, Pennsylvania, reported a net income of $37.1 million for the fiscal year ending December 31, 2025, marking a 16.3% increase from $31.8 million in 2024. The diluted earnings per share decreased slightly to $3.60 from $3.73 in the previous year. The increase in net income was influenced by several factors, including $8.3 million in merger-related expenses and a provision for credit losses of $4.2 million, both associated with the acquisition of Traditions Bancorp, Inc. on February 1, 2025. The acquisition added $877.7 million in assets, $648.5 million in loans, and $741.5 million in deposits to ACNB's balance sheet.
Total assets for ACNB Corporation rose to $3.23 billion, up from $2.39 billion in 2024, primarily due to the acquisition. The company’s net interest income increased significantly to $123.1 million from $83.6 million, driven by a growth in average loans and deposits, which rose by $635.8 million and $542.1 million, respectively. The net interest margin improved to 4.23%, up from 3.79% in the previous year, reflecting a 75 basis point increase in the yield on average interest-earning assets.
In terms of operational metrics, ACNB's loan portfolio saw substantial growth, with total loans net of unearned income reaching $2.33 billion, a 38.5% increase from the previous year. The composition of the loan portfolio included a significant rise in commercial real estate loans, which increased by 31.4%, and residential mortgages, which grew by 49%. The company also reported a slight increase in non-performing loans to $10.7 million, or 0.46% of total loans, compared to $6.8 million, or 0.40%, in 2024.
ACNB's workforce consisted of 501 full-time and 36 part-time employees as of December 31, 2025, with a focus on maintaining a diverse and skilled workforce. The company has emphasized employee development through training programs and competitive compensation packages. Looking ahead, ACNB anticipates continued growth driven by its recent acquisition and strategic initiatives, although it acknowledges potential risks related to economic conditions and regulatory changes that could impact its operations and financial performance.
About ACNB CORP
ACNB Corporation, based in Gettysburg, Pennsylvania, is a financial holding company offering banking and insurance services through its subsidiaries, ACNB Bank and ACNB Insurance Services. With a focus on community banking, it provides a range of financial products, including commercial and consumer loans, wealth management, and insurance solutions. Targeting clients in Southcentral Pennsylvania and Northern Maryland, ACNB is expanding through strategic acquisitions, enhancing its market presence and service offerings.
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