ACNB Corporation (NASDAQ: ACNB) shares were in positive territory Thursday. The financial holding company for ACNB Bank and ACNB Insurance Services, Inc. announced net income of $14.9 million, or $1.42 diluted earnings per share, for the three months ended September 30, 2025 compared to net income of $7.2 million, or $0.84 diluted earnings per share, for the three months ended September 30, 2024 and compared to net income of $11.6 million, or $1.11 diluted earnings per share, for the three months ended June 30, 2025.
Fully taxable equivalent net interest margin was 4.27% for the three months ended September 30, 2025 compared to 4.21% for the three months ended June 30, 2025 and 3.77% for the three months ended September 30, 2024.
Return on average assets was 1.80% and return on average equity was 14.66% for the three months ended September 30, 2025.
Total non-performing loans to total loans, net of unearned income, was 0.43% at September 30, 2025 compared to 0.43% at June 30, 2025 and 0.39% at September 30, 2024.
This morning’s news release went on to say, net chargeoffs to average loans outstanding (annualized) were 0.02% for the three months ended September 30, 2025 compared to 0.01% for the three months ended June 30, 2025 and 0.01% for the three months ended September 30, 2024.
Tangible common equity to tangible assets ratio of 10.14% at September 30, 2025 compared to 9.65% at June 30, 2025 and 10.74% at September 30, 2024.
ACNB shares collected $1.06, or 2.4%, to $45.45.