---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-24-000085"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2024-07-24T23:59:59+00:00"
generated_at: "2026-05-31T17:38:16.047706+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACNB Q2 net income $11.3M ($1.32 EPS) vs $9.5M ($1.12) YoY; dividend raised 14.3%

## Summary
- Net income $11.3M, diluted EPS $1.32 for Q2 2024 vs $9.5M/$1.12 in Q2 2023.
- FTE net interest margin improved to 3.82% from 3.77% QoQ, first increase after 4 consecutive declines.
- Total loans $1.68B, up 6.7% YoY; non-performing loans 0.19% with net charge-offs 0.00% annualized.
- Total deposits $1.84B, first linked-quarter increase after 9 declines; up $3.4M from March 2024.
- Regular quarterly dividend raised to $0.32/share (payable Sept 13, 2024), a 14.3% increase YoY.

## SEC filing metadata
- accession: 0000715579-24-000085
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2024-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715579/000071557924000085/0000715579-24-000085-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557924000085/acnb-20240724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-24-000085
- JSON: https://secwatch.observer/filing/0000715579-24-000085.json
- Plain text: https://secwatch.observer/filing/0000715579-24-000085.txt

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