---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-23-000067"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2023-07-27T23:59:59+00:00"
generated_at: "2026-06-13T01:21:21.426474+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ACNB Q2 net income $9.5M, EPS $1.12; NIM 4.11%; dividend raised 7.7%

## Summary
- Net income $9.5M, +10.4% YoY; diluted EPS $1.12 vs $0.99 YoY.
- FTE net interest margin 4.11%, up 96 bps from 3.15% a year ago.
- Total loans $1.57B, +2.75% QoQ; non-performing loans only 0.23% of total loans.
- Total deposits $2.0B, down 4.48% QoQ; uninsured/non-collateralized deposits ~18.1%.
- Quarterly dividend raised to $0.28/share, payable Sept 15, record Sept 1; +7.7% YoY.

## SEC filing metadata
- accession: 0000715579-23-000067
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2023-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715579/000071557923000067/0000715579-23-000067-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557923000067/acnb-20230727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-23-000067
- JSON: https://secwatch.observer/filing/0000715579-23-000067.json
- Plain text: https://secwatch.observer/filing/0000715579-23-000067.txt

## Key facts
- Earnings Releases
  ACNB CORP reported the quarter ended June 30, 2023 results: net income $9.5 million, EPS $1.12.
  - Period: the quarter ended June 30, 2023
  - Net income: $9.5 million
  - EPS: $1.12
  - Result: reported results
  source text: ACNB Corporation (NASDAQ: ACNB) (“ACNB” or the “Corporation”), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced financial results for the quarter ended June 30, 2023 with net income of $9.5 million, an increase of $0.9 million or 10.36%, compared to net income of $8.6 million for the three months ended June 30, 2022. For the three months ended June 30, 2023 and 2022, basic and diluted earnings per share were $1.12 and $0.99, respectively
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557923000067/0000715579-23-000067-index.htm

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