ACNB Corporation reported net income of USD 10.8 million, or USD 1.04 diluted earnings per share, for the fourth quarter (Q4) ended December 31, 2025. Core net income for Q4 was USD 14.0 million. For the full year (FY) 2025, net income was USD 37.1 million, or USD 3.60 diluted earnings per share. Core net income for FY 2025 reached USD 52.4 million, an increase of 57% compared to the previous year. Net interest income for Q4 2025 totaled USD 32.9 million. The fully taxable equivalent net interest margin for the twelve months ended December 31, 2025, was 4.23%. The company’s financial results for 2025 were impacted by the completion of the Traditions Bancorp, Inc. acquisition on February 1, 2025, and the repositioning of its investment securities portfolio, which resulted in an after-tax loss of USD 2.8 million from the sale of USD 74.6 million in available for sale investment securities.

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