Call reports 2025
ACNB BANK — 2025
What ACNB BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,252,111,000 | 3,242,501,000 | 3,233,976,000 | 3,211,593,000 |
| Total loans | 2,343,622,000 | 2,358,271,000 | 2,353,455,000 | 2,358,684,000 |
| Allowance for loan losses | 24,646,000 | 24,353,000 | 23,660,000 | 23,672,000 |
| Securities available for sale | 455,819,000 | 455,317,000 | 462,217,000 | 466,894,000 |
| Securities held to maturity | 64,554,000 | 64,505,000 | 63,408,000 | 63,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,557,926,000 | 2,548,080,000 | 2,486,800,000 | 2,475,524,000 |
| Interest-bearing deposits | 1,994,621,000 | 1,978,011,000 | 1,904,460,000 | 1,920,799,000 |
| Noninterest-bearing deposits | 563,305,000 | 570,069,000 | 582,340,000 | 554,725,000 |
| Equity capital | 370,879,000 | 374,810,000 | 390,540,000 | 398,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 36,290,000 | 77,866,000 | 120,356,000 | 163,212,000 |
| Interest expense | 8,951,000 | 19,268,000 | 29,373,000 | 39,130,000 |
| Net interest income | 27,339,000 | 58,598,000 | 90,983,000 | 124,082,000 |
| Noninterest income | 5,011,000 | 10,762,000 | 16,618,000 | 22,621,000 |
| Noninterest expense | 27,112,000 | 50,099,000 | 70,019,000 | 91,136,000 |
| Provision for loan losses | 5,968,000 | 5,740,000 | 5,156,000 | 5,262,000 |
| Pretax income | -236,000 | 14,394,000 | 33,453,000 | 47,332,000 |
| Income tax | -227,000 | 2,940,000 | 7,006,000 | 9,527,000 |
| Net income | -9,000 | 11,454,000 | 26,447,000 | 37,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,763,000 | 337,902,000 | 350,105,000 | 352,209,000 |
| Total capital | 360,445,000 | 361,996,000 | 373,400,000 | 376,125,000 |
| Risk-weighted assets | 2,473,119,000 | 2,482,887,000 | 2,467,428,000 | 2,458,975,000 |