---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-045974"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:36:47.351964+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ACNB reports Q3 2025 net income $14.9M ($1.42 EPS), up 107% YoY; dividend raised 11.8%

## Summary
- Net income $14.9M ($1.42 diluted EPS) vs $7.2M ($0.84) YoY and $11.6M ($1.11) QoQ.
- FTE net interest margin 4.27%, up 50 bps YoY and 6 bps QoQ; loan yield 6.29%.
- Quarterly dividend increased to $0.38/share, up $0.04 (11.8%) from prior quarter.
- Total loans $2.34B, down $5.2M from June 30; non-performing loans stable at 0.43%.
- Tangible book value per share $30.87, up from $29.30 at June 30, 2025.

## SEC filing metadata
- accession: 0001628280-25-045974
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/715579/000162828025045974/0001628280-25-045974-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000162828025045974/acnb-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-045974
- JSON: https://secwatch.observer/filing/0001628280-25-045974.json
- Plain text: https://secwatch.observer/filing/0001628280-25-045974.txt

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