Core Insights - ACNB Corporation reported a net income of $10.8 million, or $1.04 diluted earnings per share, for Q4 2025, an increase from $6.6 million, or $0.77 per share, in Q4 2024, but a decrease from $14.9 million, or $1.42 per share, in Q3 2025 [1][2] - For the full year 2025, net income was $37.1 million, up $5.2 million from $31.9 million in 2024, with core net income increasing to $52.4 million from $33.4 million [1][2] Financial Performance - Core net income for Q4 2025 was $14.0 million, compared to $7.3 million in Q4 2024 and $15.0 million in Q3 2025 [1] - Net interest income for Q4 2025 was $32.9 million, up $714 thousand from Q3 2025 and $11.7 million from Q4 2024 [6][7] - The FTE net interest margin for Q4 2025 was 4.36%, a 9 basis points increase from Q3 2025 and a 55 basis points increase from Q4 2024 [6][7] Acquisition Impact - The financial results for 2025 were significantly impacted by the acquisition of Traditions Bancorp, Inc., completed on February 1, 2025, which contributed to increased loan balances and net interest income [2][4] - Total average loans increased by $687.1 million in Q4 2025 compared to Q4 2024, primarily due to the acquisition [7][8] Noninterest Income and Expenses - Noninterest income for Q4 2025 was $4.3 million, a decrease of $4.1 million from Q3 2025 and $1.5 million from Q4 2024, largely due to a repositioning of the investment securities portfolio [9] - Noninterest expenses for Q4 2025 increased by $5.1 million compared to Q4 2024, driven primarily by the acquisition and related expenses [14][15] Asset Quality and Capital - Total loans outstanding were $2.33 billion at December 31, 2025, an increase of $647.6 million from December 31, 2024 [16] - The allowance for credit losses was $23.7 million, up $6.4 million from December 31, 2024, reflecting changes in economic forecast assumptions [16] - Total stockholders' equity increased to $420.0 million at December 31, 2025, compared to $303.3 million at December 31, 2024, driven by net income and the acquisition [19] Stock Performance and Dividends - ACNB's common stock share price increased by 21% during 2025, and the quarterly dividend was raised by $0.06 per share, or 19%, from Q4 2024 to Q4 2025 [5] - The company has consistently increased its cash dividends per share since 2017, with a total increase of 90% [5]

Core Insights - ACNB Corporation reported a net income of $11.6 million, or $1.11 diluted earnings per share, for Q2 2025, showing an increase from $11.3 million, or $1.32 diluted earnings per share, in Q2 2024, and a recovery from a net loss of $272 thousand in Q1 2025 [1][9][21] Financial Performance - Net interest income for Q2 2025 was $31.0 million, up $10.0 million from Q2 2024 and $3.9 million from Q1 2025, primarily driven by the acquisition of Traditions Bancorp [6][21] - The fully taxable equivalent (FTE) net interest margin increased to 4.21%, a rise of 39 basis points from Q2 2024 and 14 basis points from Q1 2025 [6][9] - Noninterest income reached $8.7 million, an increase of $2.3 million from Q2 2024 and $1.5 million from Q1 2025, with significant contributions from mortgage loans and insurance commissions [7][21] Asset Quality and Loans - Total loans outstanding were $2.34 billion at June 30, 2025, reflecting an increase of $19.6 million from Q1 2025 and $662.2 million from Q2 2024, with growth across various loan categories attributed to the acquisition [10][21] - The allowance for credit losses was $24.4 million, a decrease of $293 thousand from Q1 2025 and an increase of $7.2 million from Q2 2024 [10][21] - Non-performing loans were $10.1 million, or 0.43% of total loans, stable compared to Q1 2025 but increased from $3.1 million, or 0.19%, in Q2 2024 [11][21] Deposits and Equity - Total deposits were $2.52 billion at June 30, 2025, a decrease of $15.5 million from Q1 2025 but an increase of $686.0 million from Q2 2024 [12][21] - Stockholders' equity rose to $395.2 million, up from $386.9 million in Q1 2025 and $289.3 million in Q2 2024, driven by net income and stock repurchases [14][21] Capital Management - The Board of Directors declared a quarterly cash dividend of $0.34 per share, reflecting a 6.3% increase over the same period in 2024 [9][21] - ACNB repurchased 71,592 shares during Q2 2025 and announced a plan to repurchase up to 314,000 shares, approximately 3.0% of outstanding shares [16][21]

Investor Presentation Nasdaq: FISI First Quarter 2025 April 28, 2025 Important Information Safe Harbor Statement & Other Information Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. (the "Company") and its subsidiaries constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Similarly, statements that describe the objectives, plans or goals of the C ...