---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-035841"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:50:23.978503+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 $11.6M ($1.11 EPS); NIM 4.21%; dividend +6.3% to $0.34

## Summary
- Net income $11.6M ($1.11 diluted EPS) vs $11.3M ($1.32) in Q2 2024 and Q1 2025 net loss of $272K.
- FTE net interest margin 4.21%, up 39 bps YoY and 14 bps QoQ, aided by $2.2M in acquisition accretion.
- Quarterly dividend raised 6.3% to $0.34/share; Board approved new repurchase plan for up to 314,000 shares (3% outstanding).
- Total loans $2.34B, up 0.8% QoQ (3.4% annualized); non-performing loans stable at 0.43% of loans.
- Tangible book value per share $29.30 (up from $28.23 at Q1 2025); repurchased 71,592 shares during Q2 2025.

## SEC filing metadata
- accession: 0001628280-25-035841
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2025-07-24T23:59:59+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/715579/000162828025035841/0001628280-25-035841-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000162828025035841/acnb-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035841
- JSON: https://secwatch.observer/filing/0001628280-25-035841.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035841.txt

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