Core Insights - ACNB Corporation reported a net income of $14.9 million, or $1.42 diluted earnings per share, for Q3 2025, a significant increase from $7.2 million, or $0.84 per share, in Q3 2024 and $11.6 million, or $1.11 per share, in Q2 2025 [1][4]. Financial Performance - The acquisition of Traditions Bancorp, completed on February 1, 2025, impacted ACNB's financial results, making comparisons to prior periods less direct [3]. - Net interest income for Q3 2025 was $32.1 million, up $1.1 million from Q2 2025 and $11.2 million from Q3 2024, with a net interest margin of 4.27%, reflecting increases from both previous quarters [6][10]. - Noninterest income for Q3 2025 was $8.4 million, a decrease from Q2 2025 but an increase from Q3 2024, driven by various factors including insurance commissions and service charges [8]. Asset Quality and Loans - Total loans outstanding were $2.34 billion at the end of Q3 2025, a decrease from Q2 2025 but an increase of $659.5 million from Q3 2024, with a loan yield of 6.29% [10][11]. - The allowance for credit losses was $23.7 million, showing a decrease from Q2 2025 but an increase from Q3 2024 [11]. Deposits and Borrowings - Total deposits were $2.47 billion at the end of Q3 2025, a decrease from Q2 2025 but an increase of $674.6 million from Q3 2024, with noninterest-bearing deposits increasing significantly [12]. - Total borrowings increased to $335.8 million, driven by short-term borrowings [13]. Stockholders' Equity - Total stockholders' equity rose to $408.6 million at the end of Q3 2025, up from $395.2 million in Q2 2025 and $306.8 million in Q3 2024, primarily due to net income and unrealized gains [14].

Core Viewpoint - ACNB Corporation has announced a new stock repurchase plan to buy back up to 314,000 shares, approximately 3.0% of its outstanding common stock, which will be funded by available capital [1] Company Overview - ACNB Corporation is an independent financial holding company with total assets of $3.27 billion, headquartered in Gettysburg, PA [2] - The company operates through its wholly-owned subsidiaries, including ACNB Bank and ACNB Insurance Services, Inc., providing banking and wealth management services across multiple locations [2] - ACNB Bank has a network of 33 community banking offices and one loan office in Pennsylvania and Maryland, while ACNB Insurance Services operates as a full-service insurance agency licensed in 46 states [2]