---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-23-000004"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:44:11.205693+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ACNB reports record 2022 net income of $35.8M, EPS $4.15, up 28% YoY

## Summary
- Record net income $35.75M for 2022, up 28.45% YoY; basic EPS $4.15 vs $3.19.
- Q4 net income $10.2M, up 126.9%; basic EPS $1.20 vs $0.52.
- Net interest margin 3.33% for 2022 (+51 bps); Q4 NIM 3.99% (+141 bps).
- Loans grew 4.78% to $1.54B; deposits decreased 9.37% to $2.20B.
- Paid dividends $1.06/share in 2022; repurchased 206,929 shares for $6.68M.

## SEC filing metadata
- accession: 0000715579-23-000004
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715579/000071557923000004/0000715579-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557923000004/acnb-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-23-000004
- JSON: https://secwatch.observer/filing/0000715579-23-000004.json
- Plain text: https://secwatch.observer/filing/0000715579-23-000004.txt

## Key facts
- Earnings Releases
  ACNB CORP reported Year ended December 31, 2022 results: net income $35,752,000, EPS $4.15.
  - Period: Year ended December 31, 2022
  - Net income: $35,752,000
  - EPS: $4.15
  - Result: reported results
  source text: ACNB Corporation (NASDAQ: ACNB), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced record financial results for the year ended December 31, 2022 with net income of $35,752,000, an increase of $7,918,000, or 28.45%, compared to net income of $27,834,000 for the year ended December 31, 2021. This year-over-year increase in net income was primarily driven by increases in net interest income of $12,181,000 and commissions from insurance sales of $2,156,000. For the years ended December 31, 2022 and 2021, basic earnings per share were $4.15 and $3.19, respectively, which is an increase of $0.96 per share or 30.09%.
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557923000004/0000715579-23-000004-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.