---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-23-000090"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2023-10-27T23:59:59+00:00"
generated_at: "2026-06-09T07:29:06.307666+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ACNB Q3 net income $9M, down 12.4% YoY; dividend increased 7.1% to $0.30/share

## Summary
- Net income $9.0M ($1.06 EPS) vs $10.3M ($1.20 EPS) in Q3 2022, down 12.4% YoY.
- Net interest margin (FTE) improved to 4.01% from 3.60% a year ago, but down from 4.11% prior quarter.
- Total loans grew 2.7% QoQ to $1.62B; non-performing loans low at 0.22%.
- Board declared $0.30 quarterly dividend, a 7.1% increase from $0.28; payable Dec 15.
- Repurchased 46,378 shares for $1.5M during Q3.

## SEC filing metadata
- accession: 0000715579-23-000090
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2023-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/715579/000071557923000090/0000715579-23-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557923000090/acnb-20231027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-23-000090
- JSON: https://secwatch.observer/filing/0000715579-23-000090.json
- Plain text: https://secwatch.observer/filing/0000715579-23-000090.txt

## Key facts
- Earnings Releases
  ACNB CORP reported three and nine months ended September 30, 2023 results: net income $9.0 million, EPS $1.06.
  - Period: three and nine months ended September 30, 2023
  - Net income: $9.0 million
  - EPS: $1.06
  - Result: reported results
  source text: ACNB Corporation released financial results for the three and nine months ended September 30, 2023, as more fully described in the attached press release dated October 27, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557923000090/0000715579-23-000090-index.htm

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