---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-25-000011"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T17:20:46.204183+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ACNB Q4 net income up 61% YoY to $6.6M; pending Traditions acquisition close Feb 1

## Summary
- Q4 2024 net income $6.6M ($0.77 diluted EPS) vs $4.1M ($0.48) in Q4 2023, up 61%.
- FY 2024 net income $31.8M ($3.73 diluted EPS) vs $31.6M ($3.71) in FY 2023, up 0.5%.
- Merger-related expense totaled $885K in Q4, $2.0M for FY 2024 due to pending Traditions acquisition.
- FTE net interest margin 3.79% for FY 2024 vs 4.07% in FY 2023; non-performing loans 0.40% of total loans.
- Tangible book value per share $29.51 at Dec 31, 2024 vs $26.44 a year ago.

## SEC filing metadata
- accession: 0000715579-25-000011
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2025-01-23T23:59:59+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/715579/000071557925000011/0000715579-25-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557925000011/acnb-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-25-000011
- JSON: https://secwatch.observer/filing/0000715579-25-000011.json
- Plain text: https://secwatch.observer/filing/0000715579-25-000011.txt

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