Short answer
ACNB CORP (ACNB) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $51M (up 86.9% year over year) with net income of $15M.
Q3 2025 key financials · XBRL
- Revenue
- $51M
- +86.9% YoY · +1.3% QoQ
- Net income
- $15M
- +106.4% YoY · +27.7% QoQ
- EPS (diluted)
- $1.44
- +71.4% YoY · +25.2% QoQ
Source: XBRL data from the ACNB CORP (ACNB) Q3 2025 10-Q on SEC EDGAR. USD.
ACNB CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net interest income $32.1M, up $11.2M from $20.9M YoY
- Net income $14.9M vs $7.2M; diluted EPS $1.42 vs $0.84
- FTE net interest margin 4.27% vs 3.77% YoY
- Mortgage loans held for sale gain $1.46M vs $112K, strongest noninterest-income contributor
- ACL $23.7M vs $17.3M at December 31, 2024; credit-loss provision reversal $584K vs $81K provision YoY
- Acquisition drove growth; management cited inflation, interest-rate risk, competition, and banking-system instability as headwinds
Risk Factors
- Newly added trade-policy risk triggered by tariffs or escalating trade war
- Customer credit risk from higher costs, reduced exports, and supply-chain disruptions
- Near-term loan-demand risk from weaker local economic activity
- Market risk from tariff-driven volatility, declining asset values, and weakened consumer confidence
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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