---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-23-000039"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2023-04-27T23:59:59+00:00"
generated_at: "2026-06-16T09:52:38.812224+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ACNB Q1 net income up 37% to $9.0M, EPS $1.06, NIM expands 152 bps

## Summary
- Net income $9.0M vs $6.6M in Q1 2022; diluted EPS $1.06 vs $0.76, up 39.47%.
- Net interest margin 4.19%, up 152 bps YoY; net interest income $23.1M, up 35.41%.
- Total deposits $2.1B, down 14.72% YoY as customers seek higher yields.
- Quarterly dividend raised to $0.28/share, up 7.7% from Q2 2022; payable June 15.
- Non-performing loans 0.25% of total loans; annualized net charge-offs 0.02%.

## SEC filing metadata
- accession: 0000715579-23-000039
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2023-04-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715579/000071557923000039/0000715579-23-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557923000039/acnb-20230427.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-23-000039
- JSON: https://secwatch.observer/filing/0000715579-23-000039.json
- Plain text: https://secwatch.observer/filing/0000715579-23-000039.txt

## Key facts
- Earnings Releases
  ACNB CORP reported three months ended March 31, 2023 results: net income $9.0 million, EPS $1.06.
  - Period: three months ended March 31, 2023
  - Net income: $9.0 million
  - EPS: $1.06
  - Result: reported results
  source text: announced financial results for the three months ended March 31, 2023 with net income of $9.0 million, an increase of $2.4 million or 36.73%, compared to net income of $6.6 million for the three months ended March 31, 2022. For the three months ended March 31, 2023 and 2022, basic and diluted earnings per share were $1.06 and $0.76, respectively
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557923000039/0000715579-23-000039-index.htm

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