ACNB Corporation
(NASDAQ:ACNB)

ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provid...

Website: http://www.acnb.com

Founded: 1857

Full Time Employees: 374

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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At a glance:

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Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-03-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31

interest and dividend income
loans, including fees:
taxable	36,302,000	37,293,000	36,961,000	36,555,000	31,676,000	23,294,000	23,108,000	22,675,000	21,470,000	21,303,000	20,285,000	18,947,000	3,286,000	2,697,000	2,830,000	2,722,000	1,550,000	1,390,000	1,366,000	1,383,000	1,284,000	1,251,000	1,198,000	1,194,000	1,284,000	1,079,000	1,028,000	971,000	929,000	929,000	903,000	890,000	784,000	800,000	770,000	782,000	808,000	809,000	843,000	951,000		1,078,000	1,048,000	1,040,000	1,158	1,265,000	1,335,000	1,508,000	1,550,000	1,531,000	1,779,000	1,857,000	1,940,000	2,113,000	2,127,000	2,355,000	2,417,000	2,515,000	2,846,000	3,811,000	3,340,000	3,143,000	3,278,000	3,342	3,397,000
tax-exempt	338,000	343,000	324,000	317,000	292,000	289,000	311,000	313,000	319,000	336,000	361,000	352,000	314,000	526,000	189,000	289,000	140,000	141,000	138,000	129,000	135,000	129,000	129,000	120,000	92,000	31,000	38,000	44,000	51,000	59,000	65,000	85,000	117,000	150,000	156,000	161,000	179,000	231,000	260,000	267,000		280,000	294,000	348,000	393	371,000	366,000	306,000	304,000	304,000	314,000	333,000	357,000	368,000	372,000	380,000	476,000	529,000	405,000	340,000	306,000	309,000	227,000	229	228,000
investment securities:
dividends	334,000	320,000	332,000	307,000	340,000	231,000	251,000	248,000	240,000	135,000	104,000	51,000	41,000	25,000	20,000	24,000	35,000	93,000	34,000	42,000	61,000	106,000	60,000	55,000	90,000	78,000	81,000	94,000	77,000	74,000	78,000	61,000	64,000	49,000	53,000	55,000	51,000	165,000	55,000	60,000		6,000	6,000	4,000	4	4,000	3,000	3,000	3,000	3,000	7,000	8,000	7,000	8,000	9,000	13,000	73,000	17,000	117,000	147,000	168,000	170,000	131,000	189	89,000
other	703,000	1,023,000	1,162,000	831,000	792,000	728,000	670,000	684,000	750,000	691,000	723,000	890,000	1,014,000	2,473,000	2,130,000	891,000	262,000	299,000	255,000	131,000	92,000	95,000	76,000	36,000	408,000	452,000	270,000	108,000	259,000	179,000	52,000	83,000	33,000	4,000	52,000	29,000	5,000	14,000	19,000	14,000		16,000	28,000	20,000	28	19,000	4,000	29,000	26,000	19,000	24,000	16,000	26,000	7,000	369,000	12,000	35,000	18,000	30,000	39,000	52,000	32,000	36,000	28	40,000
total interest and dividend income	42,232,000	42,856,000	42,490,000	41,576,000	36,290,000	27,381,000	27,241,000	26,869,000	25,974,000
interest expense
deposits	6,387,000	6,547,000	6,872,000	7,284,000	5,996,000	3,279,000	3,112,000	2,643,000	2,160,000	1,808,000	928,000	486,000	473,000	572,000	605,000	646,000	738,000	984,000	1,084,000	1,290,000	1,654,000	2,152,000	2,498,000	2,747,000	2,921,000	2,158,000	1,971,000	1,685,000	1,341,000	1,206,000	1,134,000	1,080,000	687,000	635,000	602,000	570,000	558,000	499,000	460,000	441,000		500,000	560,000	661,000	864	872,000	916,000	1,133,000	1,111,000	1,136,000	1,553,000	1,602,000	1,673,000	2,265,000	2,485,000	2,653,000	2,967,000	3,420,000	3,894,000	4,367,000	4,228,000	4,031,000	3,850,000	3,634	3,418,000
short-term borrowings	563,000	491,000	513,000	341,000	294,000	12,000	204,000	304,000	339,000	334,000	439,000	108,000	17,000	17,000	23,000	20,000	17,000	11,000	11,000	7,000	10,000	15,000	15,000	14,000	15,000	21,000	21,000	31,000	2,000	11,000	16,000	9,000	15,000	45,000	10,000	12,000	16,000	17,000	12,000	14,000		17,000	15,000	12,000	19	21,000	20,000	24,000	28,000	20,000	25,000	31,000	42,000	83,000	42,000	153,000	176,000	172,000	189,000	1,156,000	412,000	751,000	878,000	352	763,000
long-term borrowings	2,767,000	2,967,000	2,968,000	2,939,000	2,910,000	2,978,000	2,983,000	2,958,000	2,882,000	1,649,000	1,122,000	629,000	327,000	257,000	234,000	226,000	269,000	329,000	387,000	767,000	381,000	403,000	445,000	479,000	518,000	473,000	493,000	504,000	526,000	556,000	543,000	458,000	429,000	387,000	384,000	398,000	383,000	454,000	439,000	450,000		419,000	443,000	459,000	643	702,000	695,000	706,000	755,000	760,000	810,000	849,000	840,000	938,000	952,000	1,071,000
total interest expense	9,717,000	10,005,000	10,353,000	10,564,000	9,200,000	6,269,000	6,299,000	5,905,000	5,381,000	3,791,000	2,489,000	1,223,000	817,000	846,000	862,000	892,000	1,024,000	1,324,000	1,482,000	2,064,000	2,045,000	2,570,000	2,958,000	3,240,000	3,454,000	2,652,000	2,485,000	2,220,000	1,869,000	1,773,000	1,693,000	1,547,000	1,131,000	1,067,000	996,000	980,000	957,000	970,000	911,000	905,000		936,000	1,018,000	1,132,000	1,526	1,595,000	1,631,000	1,863,000	1,894,000	1,916,000	2,388,000	2,482,000	2,555,000	3,286,000	3,479,000	3,877,000	4,461,000	4,682,000	5,348,000	7,095,000	6,522,000	6,378,000	6,076,000	5,633	5,403,000
net interest income	32,515,000	32,851,000	32,137,000	31,012,000	27,090,000	21,112,000	20,942,000	20,964,000	20,593,000	21,493,000	21,745,000	21,990,000	23,092,000	24,048,000	22,520,000	19,804,000	17,053,000	17,350,000	18,000,000	18,569,000	17,325,000	18,902,000	18,366,000	18,345,000	17,455,000	15,045,000	14,970,000	14,665,000	14,413,000	14,091,000	13,562,000	13,562,000	9,831,000	9,466,000	9,185,000	9,030,000	9,007,000	8,841,000	8,465,000	8,420,000		8,284,000	8,338,000	8,534,000	8,541	8,568,000	8,640,000	8,558,000	8,594,000	8,564,000	8,712,000	9,208,000	8,570,000	8,199,000	7,941,000	7,898,000	7,550,000	7,217,000	6,730,000	6,301,000	6,191,000	5,999,000	6,225,000	6,310	6,187,000
(reversal of) provision for credit losses	-76,000	1,289,000	-584,000	-228,000
reversal of provision for unfunded commitments	-13,000				-480,000
net interest income after (reversal of) provisions for credit losses and unfunded commitments	32,604,000	21,515,500	32,866,000	31,594,000				24,213,000
noninterest income
insurance commissions	2,128,000	1,882,000	2,545,000	2,908,000	2,147,000	2,105,000	2,787,000	2,747,000	2,115,000
gain from mortgage loans held for sale	1,226,000	1,373,000	1,463,000	1,575,000	855,000	107,000	112,000	34,000	48,000	25,000		14,000
service charges on deposits	1,235,000	1,282,000	1,286,000	1,179,000	1,094,000	1,084,000	1,048,000	1,021,000	991,000
wealth management	1,160,000	1,200,000	1,125,000	1,090,000	1,060,000	1,007,000	1,188,000	1,069,000	962,000
atm debit card charges	906,000	923,000	904,000	905,000	831,000	815,000	828,000	841,000	819,000
earnings on investment in bank-owned life insurance	737,000	735,000	651,000	627,000	580,000	506,000	503,000	493,000	477,000	479,000	473,000	484,000	442,000	480,000	362,000	363,000	327,000	342,000	356,000	372,000	338,000	352,000	365,000	378,000	347,000	296,000	309,000	264,000	269,000	281,000	257,000	276,000	276,000	255,000	276,000	290,000	268,000	262,000	281,000	289,000		246,000	254,000	241,000	255	242,000	238,000	244,000	251,000	237,000	252,000	260,000	247,000	264,000	257,000	244,000	266,000		254,000	229,000		217,000
gain on assets held for sale	177,000										14,000	323,000
gain on life insurance proceeds	174,000			31,000	254,000																										52,000														63							78,000
net gains on sales or calls of investment securities	49,000	-3,557,000		22,000					69,000
net gains on equity securities	-7,000	4,000	9,000	3,000	14,000	-28,000	28,000	1,000	-10,000			-15,000	20,000	47,000	-88,000	-148,000	-109,000	62,000		12,000	365,000	290,000	-82,000	74,000	-475,000
total noninterest income	8,274,000	4,332,000	8,411,000	8,682,000	7,184,000	5,803,000	6,833,000	6,427,000	5,667,000
noninterest expenses
salaries and employee benefits	14,027,000	13,034,000	13,191,000	13,693,000	12,861,000	10,318,000	11,017,000	10,426,000	11,168,000	10,596,000	10,069,000	9,824,000	10,442,000	9,786,000	9,320,000	9,314,000	7,559,000	10,557,000	8,921,000	8,670,000	8,668,000	9,547,000	8,625,000	8,605,000	8,501,000	7,340,000	7,189,000	6,965,000	6,560,000	6,683,000	6,627,000	6,715,000	5,934,000	5,748,000	5,580,000	5,604,000	5,425,000	5,225,000	4,776,000	4,954,000		4,546,000	4,864,000	4,748,000	4,527	4,672,000	4,573,000	4,233,000	4,335,000	4,130,000	4,216,000	4,327,000	4,168,000	4,368,000	4,298,000	4,373,000	3,629,000	3,445,000	3,575,000	3,234,000	3,271,000	3,396,000	3,046,000	3,276	3,300,000
equipment	2,600,000	2,356,000	2,302,000	2,539,000	2,280,000	2,324,000	1,698,000	1,570,000	1,729,000	1,730,000	1,554,000	1,623,000	1,607,000	2,046,000	1,521,000	1,527,000	1,518,000	2,392,000	1,181,000	1,311,000	1,291,000	1,403,000	1,284,000	1,471,000	1,284,000	1,165,000	1,219,000	1,103,000	1,276,000	1,321,000	1,162,000	1,039,000	844,000	783,000	740,000	761,000	711,000	708,000	731,000	677,000		727,000	792,000	658,000	573	671,000	611,000	651,000	682,000	662,000	603,000	605,000	626,000	521,000	541,000
net occupancy	1,533,000	1,241,000	1,217,000	1,277,000	1,442,000	1,096,000	945,000	991,000	1,130,000	927,000	942,000	1,002,000	1,037,000	978,000	1,000,000	939,000	1,159,000	1,068,000	974,000	905,000	1,167,000	972,000	857,000	871,000	981,000	739,000	734,000	863,000	700,000	720,000	779,000	677,000	496,000	537,000	481,000	502,000	570,000	603,000	470,000	490,000		463,000	493,000	515,000	487	497,000	493,000	505,000	500,000	556,000	520,000	530,000	608,000	542,000	562,000
intangible assets amortization	1,056,000	1,130,000	1,129,000	1,141,000	857,000	304,000	304,000	315,000	321,000	352,000	352,000	360,000	360,000	399,000	395,000	389,000	309,000	286,000	285,000	297,000	296,000	313,000	313,000	323,000	315,000	154,000	158,000	155,000	175,000	182,000	184,000	193,000	82,000	80,000	85,000	86,000	88,000	82,000	162,000	163,000		160,000	161,000	160,000	160	161,000	160,000	160,000	160,000	161,000	161,000	160,000	161,000
professional services	678,000	752,000	588,000	743,000	577,000	586,000	409,000	529,000	616,000	720,000	617,000	601,000	382,000	758,000	589,000	430,000	309,000	414,000	422,000	244,000	224,000	496,000	265,000	254,000	402,000	263,000	283,000	200,000	371,000	344,000	369,000	224,000	344,000	239,000	217,000	198,000	255,000	245,000	158,000	270,000		232,000	191,000	244,000	186	251,000	191,000	267,000	261,000	209,000	247,000	236,000	245,000	177,000	202,000	229,000	238,000	226,000	240,000	216,000	200,000	177,000	259,000	298	305,000
other tax	577,000	539,000	561,000	220,000	527,000	360,000	360,000	356,000	370,000	304,000	323,000	305,000	337,000	403,000	411,000	402,000	416,000	395,000	393,000	391,000	393,000	241,000	321,000	319,000	327,000	269,000	274,000	262,000	243,000	235,000	206,000	197,000	168,000	211,000	201,000	193,000	197,000	161,000	184,000	182,000		199,000	232,000	238,000	221	170,000	223,000	210,000	175,000	208,000	182,000	204,000	202,000	200,000	197,000
fdic and regulatory	442,000	458,000	457,000	435,000	401,000	337,000	365,000	348,000	375,000	456,000	388,000	295,000	249,000	330,000	263,000	264,000	271,000	255,000	247,000	226,000	232,000	219,000	211,000	145,000	41,000	53,000	160,000	169,000	173,000	164,000	184,000	170,000	140,000	139,000	181,000	174,000	177,000	167,000	183,000	201,000		191,000	192,000	209,000	189	218,000	233,000	225,000	335,000	405,000	355,000	349,000	357,000	346,000	1,150,000
merger-related		575,000	169,000	1,943,000	8,031,000	885,000	1,137,000
total noninterest expenses	23,615,000	23,453,000	22,361,000	25,366,000	29,335,000	18,388,000	18,244,000	16,391,000	17,662,000
income before income taxes	17,263,000	13,177,000	18,916,000	14,910,000	-549,000	8,234,000	9,410,000	14,249,000	8,526,000	4,746,000	11,627,000	12,055,000	11,421,000	12,798,000	13,049,000	10,874,000	8,230,000	5,526,000	9,298,000	10,794,000	9,401,000	8,787,000	8,518,000	7,233,000	-1,836,000	7,862,000	7,980,000	7,194,000	7,482,000	6,837,000	6,038,000	2,625,000	3,725,000	3,548,000	3,706,000	4,029,000	3,370,000	3,410,000	3,416,000	3,592,000		2,935,000	2,961,000	3,073,000	2,896	2,668,000	2,792,000	2,742,000	2,638,000	3,202,000	2,930,000	2,527,000	3,107,000	2,258,000	1,589,000	2,647,000	105,000	2,902,000	2,777,000	2,606,000	2,324,000	2,292,000	2,447,000	2,418	2,155,000
income tax expense	3,560,000	1,757,750	4,046,000	3,262,000	-277,000
net income	13,703,000	10,805,000	14,870,000	11,648,000	-272,000	6,595,000	7,204,000	11,279,000	6,768,000	4,097,000	9,044,000	9,524,000	9,023,000	10,199,000	10,324,000	8,630,000	6,599,000	4,495,000	7,360,000	8,508,000	7,471,000	7,049,000	6,771,000	5,797,000	-1,223,000	6,310,000	6,466,000	5,864,000	6,039,000	5,507,000	4,913,000	1,912,000	2,722,000	2,637,000	2,768,000	2,982,000	2,547,000	2,543,000	2,624,000	2,731,000		2,308,000	2,322,000	2,418,000	2,304	2,128,000	2,236,000	2,180,000	2,106,000	2,460,000	2,304,000	2,065,000	2,422,000	1,897,000	1,433,000	2,116,000	484,000	2,330,000	2,208,000	2,082,000	1,876,000	1,856,000	1,906,000	1,931	1,726,000
yoy	-5137.87%	63.84%	106.41%	3.27%	-104.02%	60.97%	-20.34%	18.43%	-24.99%	-59.83%	-12.40%	10.36%	36.73%	126.90%	40.27%	1.43%	-11.67%	-36.23%	8.70%	46.77%	-710.87%	11.71%	4.72%	-1.14%	-120.25%	14.58%	31.61%	206.69%	121.86%	108.84%	77.49%	-35.88%	6.87%	3.70%	5.49%	9.19%		10.18%	13.01%	12.94%		8.46%	3.85%	10.92%	-99.89%	-13.50%	-2.95%	5.57%	-13.05%	29.68%	60.78%	-2.41%	400.41%	-18.58%	-35.10%	1.63%	-74.20%	25.54%	15.84%	107719.78%	8.69%
qoq	26.82%	-27.34%	27.66%	-4382.35%	-104.12%	-8.45%	-36.13%	66.65%	65.19%	-54.70%	-5.04%	5.55%	-11.53%	-1.21%	19.63%	30.78%	46.81%	-38.93%	-13.49%	13.88%	5.99%	4.11%	16.80%	-574.00%	-119.38%	-2.41%	10.27%	-2.90%	9.66%	12.09%	156.96%	-29.76%	3.22%	-4.73%	-7.18%	17.08%	0.16%	-3.09%	-3.92%			-0.60%	-3.97%	104847.92%	-99.89%	-4.83%	2.57%	3.51%	-14.39%	6.77%	11.57%	-14.74%	27.68%	32.38%	-32.28%	337.19%	-79.23%	5.53%	6.05%	10.98%	1.08%	-2.62%	98605.33%	-99.89%
per share data																																																															0.35
basic earnings	1.32	1.04	1.43	1.11	-0.03	0.78	0.85	1.32		0.48	1.06	1.12		1.2	1.2	0.99	0.76	0.52	0.84	0.98	0.86	0.81	0.79	0.67	-0.14	0.89	0.92	0.83	0.86	0.78	0.7	0.27	0.45	0.43	0.46	0.49	0.42	0.42	0.44	0.46		0.39	0.38	0.41	0.39	0.35	0.38	0.37	0.36	0.41	0.39	0.35	0.41	0.32	0.24	0.36	0.08	0.39	0.37	0.35	0.32	0.33		0.36	0.32
diluted earnings	1.32	1.04	1.42	1.11	-0.03	0.77	0.84	1.32		0.48	1.06	1.12
weighted-average shares basic	10,348,531	10,259,179	10,419,581	10,451,469	9,806,299	8,503,473	8,507,140
weighted-average shares diluted	10,366,230	10,290,148	10,455,461	10,487,519	9,823,475	8,536,965	8,545,578
(reversal of) provision for unfunded commitments		-244,750	-145,000	-354,000				-259,000	-151,000	56,500	-171,000
provision for credit losses					5,968,000				223,000	786,000	250,000		97,000
net interest income after provisions for (reversal of) credit losses and unfunded commitments					21,602,000	16,388,750	20,821,000			16,631,750	21,666,000	22,142,000
loans, including fees													19,254,000	19,173,000	18,213,000	16,770,000	16,090,000	16,751,000	17,689,000	18,948,000	17,798,000	19,891,000	19,861,000	20,180,000	19,035,000	16,057,000	16,038,000	15,668,000	14,966,000	14,623,000	14,157,000	13,990,000	9,964,000	9,530,000	9,150,000	8,983,000	8,921,000	8,592,000	8,199,000	8,033,000		7,840,000	7,980,000	8,254,000	8,484		8,563,000	8,575,000	8,605,000	8,623,000	8,976,000	9,476,000	8,795,000	8,989,000	8,918,000	9,015,000	9,010,000	8,820,000	8,680,000	9,059,000	8,847,000	8,723,000	8,629,000		7,836,000
provision for (reversal of) credit losses						-671,500	81,000
provision for (reversal of) unfunded commitments						-92,500	40,000
supplies and postage						152,500	236,000	183,000	191,000	175,000	229,000	198,000	206,000	193,000	254,000	195,000	181,000	179,000	198,000	178,000	163,000	191,000	145,000	200,000	209,000	163,000	178,000	206,000	183,000	177,000	215,000	187,000	168,000	169,000	178,000	122,000	191,000	149,000	156,000	120,000		127,000	185,000	131,000	141	152,000	175,000	163,000	166,000	154,000	160,000	177,000	168,000	174,000	156,000	189,000	185,000	200,000	196,000	183,000	199,000	214,000	178,000	182	211,000
marketing and corporate relations						68,750	99,000	88,000	88,000	140,000	159,000	159,000	154,000	72,000	57,000	67,000	103,000	67,000	81,000	62,000	77,000	119,000	101,000	157,000	184,000	132,000	171,000	139,000	98,000	165,000	103,000	119,000	138,000	64,000	123,000	151,000	117,000	78,000	150,000	204,000		81,000	113,000	99,000	67	90,000	100,000
provision for income taxes						1,639,000	2,206,000	2,970,000	1,758,000	649,000	2,583,000	2,531,000	2,398,000	2,599,000	2,725,000	2,244,000	1,631,000	1,031,000	1,938,000	2,286,000	1,930,000	1,738,000	1,747,000	1,436,000	-613,000	1,552,000	1,514,000	1,330,000	1,443,000	1,330,000	1,125,000	713,000	1,003,000	911,000				867,000	792,000	861,000		627,000	639,000	655,000	592	540,000	556,000	562,000	532,000	742,000	626,000	462,000	685,000	361,000	156,000	531,000		572,000	569,000	524,000	448,000	436,000	541,000	487	429,000
reversal of credit losses								-2,990,000				-273,000
securities:																																														8,504,000
net interest income after provisions for credit losses and unfunded commitments									20,521,000				22,719,000
basic and diluted earnings									0.8				1.06
total interest income										17,839,000	24,234,000	23,213,000	23,909,000	24,894,000	23,382,000	20,696,000	18,077,000	18,674,000	19,482,000	20,633,000	19,370,000	21,472,000	21,324,000	21,585,000	20,909,000	17,697,000	17,455,000	16,885,000	16,282,000	15,864,000	15,255,000	15,109,000	10,962,000	10,533,000	10,181,000	10,010,000	9,964,000	9,811,000	9,376,000	9,325,000		9,220,000	9,356,000	9,666,000	10,067	10,163,000	10,271,000	10,421,000	10,488,000	10,480,000	11,100,000	11,690,000	11,125,000	11,485,000	11,420,000	11,775,000	12,011,000	11,899,000	12,078,000	13,396,000	12,713,000	12,377,000	12,301,000	11,943	11,590,000
other income
commissions from insurance sales										1,842,750	2,629,000	2,840,000	1,902,000	1,870,000	2,429,000	2,808,000	1,200,000	1,200,000	1,715,000	1,853,000	1,383,000	1,380,000	1,688,000	1,617,000	1,440,000	1,763,000	1,914,000	1,320,000	1,450,000	1,707,000	1,201,000	1,313,000	1,564,000	1,154,000	1,269,000	1,328,000	1,103,000	1,053,000	1,124,000	1,532,000		1,079,000	1,399,000	1,131,000	1,133	1,295,000	1,205,000	1,186,000	1,308,000	1,205,000	1,137,000	1,406,000	1,197,000	1,336,000	1,391,000	1,538,000	939,000	1,064,000	1,097,000	962,000	1,071,000	1,254,000	971,000	1,062	1,275,000
service charges on deposit accounts										737,750	1,000,000	989,000	962,000	1,020,000	1,082,000	1,006,000	958,000	1,082,000	900,000	754,000	774,000	895,000	827,000	643,000	990,000	1,017,000	946,000	938,000	839,000	810,000	816,000	870,000	617,000	570,000	631,000	575,000	528,000	526,000	550,000	533,000		596,000	548,000	538,000	648	603,000	552,000	621,000	603,000	563,000	618,000	589,000	561,000	644,000	591,000	540,000	628,000	525,000	514,000	521,000	519,000	502,000	507,000	490	412,000
income from fiduciary, investment management and brokerage activities										693,000	953,000	979,000	840,000	711,000	823,000	816,000	810,000	806,000	837,000	823,000	703,000	690,000	659,000	655,000	668,000	651,000	598,000	592,000	632,000	559,000	571,000
net losses on sales or calls of securities										-184,750		-546,000	-193,000
net losses on equity securities										-5,500	-27,000
service charges on atm and debit card transactions										625,500	845,000	834,000	823,000	867,000	837,000	865,000	753,000	851,000	862,000	896,000	778,000	785,000	809,000	714,000	638,000	652,000	635,000	538,000	609,000	614,000	530,000	490,000	381,000	358,000	381,000	391,000	355,000	361,000	391,000	400,000		376,000	356,000	319,000	323	323,000	309,000	319,000	320,000	278,000	287,000	290,000	254,000	260,000	255,000	227,000	248,000	245,000	221,000	242,000	248,000	218,000	222,000	219	199,000
total other income										4,368,750	6,297,000	6,194,000	4,984,000	5,423,000	5,849,000	6,076,000	4,459,000	5,633,000	5,274,000	5,956,000	5,913,000	5,863,000	5,012,000	4,893,000	4,166,000	4,941,000	4,820,000	3,940,000	4,125,000	4,317,000	3,712,000	3,930,000	3,528,000	3,082,000	3,301,000	3,811,000	2,872,000	2,793,000	2,930,000	3,392,000		2,847,000	3,140,000	2,945,000	2,972	3,065,000	2,816,000	2,882,000	3,007,000	2,957,000	2,916,000	3,160,000	2,868,000	2,639,000	3,084,000	3,127,000	2,619,000	2,639,000	2,682,000	2,441,000	2,542,000	2,740,000	2,346,000	2,617	2,494,000
other expenses
other operating										1,281,250	1,703,000	1,914,000	1,508,000	1,708,000	1,510,000	1,479,000	1,457,000	1,754,000	1,362,000	1,448,000	1,277,000	1,411,000	1,277,000	1,278,000	1,173,000	1,134,000	1,322,000	1,252,000	1,104,000	1,176,000	1,109,000	1,006,000	1,126,000	838,000	922,000	982,000	777,000	779,000	874,000	885,000		817,000	866,000	775,000	825	793,000	715,000	961,000	911,000	610,000	782,000	764,000	866,000	944,000	985,000	1,025,000	979,000	1,038,000	985,000	961,000	1,014,000	926,000	910,000	1,159	1,041,000
total other expenses										12,224,750	16,336,000	16,281,000	16,282,000	16,673,000	15,320,000	15,006,000	13,282,000	17,457,000	13,976,000	13,731,000	13,787,000	14,938,000	13,310,000	13,455,000	19,457,000	11,974,000	11,685,000	11,261,000	10,856,000	11,251,000	10,986,000	14,867,000	9,634,000	9,000,000				8,224,000	7,979,000	8,220,000		8,046,000	8,017,000	7,756,000	7,492	7,840,000	7,539,000	7,498,000	7,653,000	7,219,000	7,298,000	7,490,000	7,472,000	7,380,000	8,211,000	7,253,000	6,464,000	6,404,000	6,515,000	6,111,000	6,409,000	6,307,000	5,899,000	6,284	6,301,000
provision for unfunded commitments												121,000	276,000
income from mortgage loans held for sale													17,000	19,000	42,000	145,000	281,000	896,000	300,000	914,000	1,283,000
cash dividends declared													0.28	0.28	0.26	0.26	0.26	0.26	0.25	0.27	0.25	0.25	0.25	0.25	0.25	0.25	0.25	0.23	0.23	0.23	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.19	0.19		0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.2	0.2	0.21	0.21	0.21
provision for loan losses																					50,000	1,040,000	1,550,000	2,550,000	4,000,000	150,000	125,000	150,000	200,000	320,000	250,000											150,000	500,000	650,000	1,125	1,125,000	1,125,000	1,200,000	1,310,000	1,100,000	1,400,000	2,351,000	859,000	1,200,000	1,225,000	1,125,000	3,600,000	550,000	120,000	25,000		140,000	225,000	225	225,000
net interest income after provision for loan losses														24,048,000	22,520,000	19,804,000	17,053,000	17,350,000	18,000,000	18,569,000	17,275,000	17,862,000	16,816,000	15,795,000	13,455,000	14,895,000	14,845,000	14,515,000	14,213,000	13,771,000	13,312,000	13,562,000	9,831,000	9,466,000				8,841,000	8,465,000	8,420,000		8,134,000	7,838,000	7,884,000	7,416	7,443,000	7,515,000	7,358,000	7,284,000	7,464,000	7,312,000	6,857,000	7,711,000	6,999,000	6,716,000	6,773,000	3,950,000	6,667,000	6,610,000	6,276,000	6,191,000	5,859,000	6,000,000	6,085	5,962,000
foreclosed real estate income																		-22,500	-88,000	-1,000				-168,000
merger related expenses																									5,965,000	516,000						4,305,000
foreclosed real estate expenses																					-1,000	26,000	-89,000		75,000	46,000				84,000	48,000	35,000	-14,000	30,000	72,000	39,000	1,000	27,000	135,000	74,000		503,000			116	165,000	65,000
net gains on sales of securities																													31,000	13,000																		1,000			47,000		26,000
net gains (losses) on equity securities																										31,000	129,000	33,000		6,000
interest income
income from fiduciary activities																																489,000	478,000	442,000	416,000	434,000	394,000	363,000	337,000	411,000		333,000	312,000	331,000	288	356,000	288,000	323,000	329,000	373,000	350,000	326,000	277,000	265,000	227,000	269,000	275,000	290,000	239,000	253,000	243,000	184,000	199,000	153	152,000
gain on sales of premises and equipment																																				449,000
merger expenses																																	208,000
proposed merger expenses																																		162,000
benefit from loan losses
net interest income after benefit from loan losses																																			9,185,000	9,030,000	9,007,000
net gains on sales or calls of securities																																							2,000	52,000						3,000	4,000
other incomes
total other incomes																																			8,780,000	8,812,000	8,509,000
benefit from income taxes																																			938,000	1,047,000	823,000
dollars in thousands, except per share data
marketing																																																123,000	128,000	124,000	72,000	138,000	71,000	108,000	120,000
gains on sales of securities																																																						14,000		9,000	57,000	11,000	90,000			10,000		204
impairment charges on equity securities
gains (losses) on sales of securities
net occupancy expense																																																								610,000	514,000	538,000	587,000	543,000	582,000	588,000	527,000	549	585,000
equipment expense																																																								560,000	489,000	480,000	477,000	527,000	621,000	567,000	619,000	624	631,000
other tax expense																																																								157,000	189,000	203,000	189,000	184,000	134,000	184,000	182,000	196	228,000
marketing expense																																																								110,000	241,000	274,000
long-term debt																																																									1,318,000	1,090,000	1,265,000	1,572,000	1,882,000	1,596,000	1,348,000	1,647	1,222,000
provision (benefit) for income taxes
earnings on investment in bank owned life insurance																																																										267,000			226,000		214,000	217	187,000
advertising expense																																																											266,000	263,000	388,000	255,000	178,000
loans, including fees securities:																																																																8,155

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2019-09-30	2019-06-30	2019-03-31	2018-03-31	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-03-31	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-03-31	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-03-31	2008-06-30	2008-03-31	2007-09-30	2006-06-30	2006-03-31	2005-12-31

afs
alco
aoci
asc
asu
atm
bank
basel iii
bp or bps
cecl
cme
codm
covid/covid-19
cra
etr
exchange act
fasb
fcbi
fdic
fhlb
fomc
fte
gaap
htm
market area
n/a
n/m
obs
oci
pcd
purchase agreements
purchasers
sec
sofr
subordinated notes
traditions
assets
cash and due from banks	30,500,000	32,834,000	23,422,000	20,920,000	24,636,000	21,041,000	20,540,000	30,684,000	22,786,000	24,898,000	24,833,000	31,511,000	24,674,000	23,716,000	23,388,000	14,912,000	22,479,000	23,371,000	24,305,000		21,163,000	25,919,000	22,999,000	18,216,000	18,068,000	16,467,000	17,384,000	14,406,000	13,705,000	14,299,000	12,948,000	12,339,000	15,423,000	15,083,000	16,371,000	15,398,000	11,967,000	12,259,000	13,382,000	11,967,000	15,317,000	14,193,000	13,470,000	12,890,000	20,036,000	17,684,000	17,869,000	18,671,000	18,005,000	18,382,000
interest-bearing deposits with banks	71,639,000	70,275,000	100,141,000	53,482,000	33,456,000	50,851,000	54,156,000	66,246,000
total cash and cash equivalents	102,139,000	103,109,000	123,563,000		58,092,000				64,041,000	84,043,000	114,066,000		357,026,000	395,614,000	477,620,000	710,131,000	722,782,000	592,866,000	506,758,000		299,653,000	232,231,000	117,715,000	76,606,000	61,353,000	60,197,000	26,280,000	16,516,000	55,391,000	46,218,000	16,176,000	27,445,000	29,126,000	19,215,000	19,227,000	38,218,000	46,289,000	30,202,000	41,892,000	38,394,000	32,864,000	29,000,000	39,212,000
equity securities with readily determinable fair values	945,000	936,000	933,000		947,000				888,000	915,000	1,328,000		2,299,000	2,352,000	2,500,000	2,609,000	2,547,000	2,547,000	2,535,000		1,880,000	1,962,000	2,032,000	2,001,000	1,872,000	1,760,000
investment securities available for sale, at estimated fair value	462,217,000	455,317,000	455,819,000		418,079,000
investment securities held to maturity, at amortized cost	63,408,000	64,505,000	64,554,000		64,578,000
loans held for sale	16,850,000	16,455,000	21,413,000		1,080,000						167,000			445,000	1,123,000	2,193,000	3,935,000	2,667,000	12,000,000		10,043,000	5,848,000	3,010,000	3,009,000	300,000	474,000	1,278,000	466,000	1,877,000	955,000	859,000	1,595,000	2,013,000		603,000	2,427,000	2,842,000	2,181,000	825,000	112,000	3,761,000	3,662,000	1,117,000	4,861,000	1,248,000	1,344,000	1,025,000	833,000	832,000	60,000
total loans, net of unearned income	2,336,605,000	2,341,816,000	2,322,209,000		1,677,112,000
less: allowance for credit losses	-23,660,000	-24,353,000	-24,646,000		-17,214,000
loans	2,312,945,000	2,317,463,000	2,297,563,000		1,659,898,000							1,506,354,000
premises and equipment	31,107,000	31,581,000	32,398,000	25,873,000	25,542,000	25,903,000	26,102,000	26,582,000	25,740,000	26,145,000	26,588,000	29,205,000	27,098,000	30,564,000	30,740,000	30,980,000	31,667,000	31,960,000	32,491,000		33,180,000	34,042,000	25,411,000	25,627,000	26,046,000	26,609,000	18,170,000	18,129,000	18,224,000	18,965,000	17,681,000	17,671,000	16,320,000	16,100,000	15,545,000	15,147,000	15,018,000	14,706,000	14,418,000	13,940,000	14,344,000	14,511,000	14,754,000	14,958,000	14,375,000	14,406,000	14,404,000	15,111,000	15,314,000	14,696,000
right of use asset	4,403,000	4,657,000	5,440,000		2,110,000																		3,662,000	3,711,000	3,804,000
restricted investment in bank stocks	14,462,000	13,533,000	13,560,000		10,853,000				5,477,000	4,877,000	2,552,000		1,653,000	1,649,000	1,855,000	2,303,000	2,368,000	2,889,000	2,798,000		3,022,000	3,582,000	3,905,000	4,202,000	4,382,000	4,802,000	4,899,000	5,089,000	4,191,000	4,351,000	4,840,000	4,051,000	5,439,000	5,989,000	4,189,000	4,603,000	4,766,000	6,804,000	7,886,000	7,999,000	9,170,000	9,170,000	9,170,000	9,170,000	7,401,000	7,468,000	11,506,000	10,206,000	10,418,000	9,053,000
investment in bank-owned life insurance	96,755,000	96,104,000	98,814,000		81,344,000				79,391,000	78,919,000	78,435,000		77,513,000	64,950,000	64,588,000	64,261,000	64,467,000	64,111,000	63,739,000		63,049,000	62,685,000	50,372,000	50,076,000	49,768,000	45,692,000	41,273,000	40,997,000	40,476,000	40,200,000	39,910,000	38,204,000	37,386,000	36,937,000	32,003,000	31,757,000	31,503,000	28,649,000	27,931,000	27,680,000	27,200,000	26,699,000	26,655,000	25,541,000		24,541,000	24,060,000
investments in low-income housing partnerships	783,000	814,000	846,000		909,000				1,034,000	1,066,000	1,097,000		1,160,000	1,191,000	1,223,000	1,254,000	1,286,000	1,317,000	1,349,000		1,411,000	1,443,000	1,597,000	1,689,000	1,780,000	2,330,000	2,690,000	2,794,000	3,003,000	3,120,000	3,232,000	3,682,000	4,143,000	4,528,000	5,233,000	5,180,000	5,314,000	3,677,000	3,946,000	4,038,000	4,189,000	4,245,000	4,312,000	4,647,000		4,940,000	5,088,000
goodwill	64,449,000	64,449,000	64,449,000		44,185,000				44,185,000	44,185,000	44,185,000		44,185,000	44,771,000	44,184,000	42,108,000	42,108,000	42,108,000	42,108,000		42,108,000	42,108,000	19,580,000	19,580,000	19,580,000	19,580,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	6,308,000	5,972,000	5,972,000	5,972,000	5,972,000	5,972,000
intangible assets	23,565,000	24,694,000	25,835,000		8,142,000				9,434,000	9,612,000	9,972,000		10,731,000	10,539,000	11,516,000	6,101,000	6,387,000	6,672,000	6,969,000		7,578,000	7,891,000	4,580,000	4,735,000	4,303,000	2,985,000	526,000	608,000	774,000	859,000	945,000	1,288,000	1,521,000	1,683,000	1,928,000	2,089,000	2,249,000	2,890,000	3,369,000	3,529,000	3,848,000	4,023,000	4,184,000
assets held for sale	275,000									1,418,000	3,393,000		3,393,000			1,093,000
foreclosed assets held for resale	32,000	32,000	438,000		406,000				467,000	467,000	474,000		474,000								680,000	789,000			48,000	630,000	63,000	85,000	309,000	730,000	564,000	1,854,000	1,486,000	2,012,000	1,608,000	2,485,000	4,017,000	4,794,000	3,631,000	2,729,000		7,395,000	6,142,000
other assets	56,503,000	65,879,000	64,416,000	185,037,000	44,749,000	187,937,000	187,075,000	165,175,000	58,204,000	51,705,000	46,637,000	175,492,000	46,618,000	41,476,000	37,884,000	27,738,000	25,188,000	26,280,000	26,242,000		28,179,000	28,506,000	22,503,000	22,428,000	23,586,000	24,621,000	21,115,000	21,509,000	19,279,000	18,526,000	19,517,000	19,930,000	19,446,000	20,491,000	15,217,000	15,435,000	15,623,000	15,718,000	17,058,000	19,148,000	13,790,000	12,623,000	13,607,000	20,587,000	19,117,000	17,288,000	19,610,000	19,515,000	19,565,000	18,386,000
total assets	3,250,838,000	3,259,528,000	3,270,041,000	2,435,358,000	2,420,914,000	2,439,298,000	2,429,050,000	2,392,278,000	2,388,522,000	2,378,151,000	2,410,933,000	2,720,957,000	2,654,153,000	2,683,162,000	2,746,156,000	2,786,987,000	2,792,792,000	2,708,520,000	2,654,617,000		2,503,049,000	2,412,303,000	1,735,849,000	1,679,305,000	1,671,159,000	1,611,015,000	1,261,936,000	1,241,725,000	1,208,869,000	1,169,110,000	1,152,354,000	1,109,024,000	1,057,253,000	1,045,925,000	1,034,530,000	1,038,856,000	1,036,039,000	1,020,735,000	998,337,000	975,717,000	993,196,000	978,286,000	978,986,000	962,168,000	931,396,000	924,584,000	1,006,210,000	956,965,000	964,740,000	945,136,000
liabilities and stockholders’ equity
deposits:
noninterest-bearing	581,697,000	568,301,000	562,700,000		463,501,000
interest-bearing	1,884,199,000	1,956,240,000	1,977,309,000		1,327,816,000
total deposits	2,465,896,000	2,524,541,000	2,540,009,000		1,791,317,000				1,951,359,000	1,963,754,000	2,055,822,000		2,336,213,000	2,363,773,000	2,410,761,000	2,426,389,000	2,417,561,000	2,338,035,000	2,278,622,000		2,115,576,000	2,032,801,000	1,417,610,000	1,377,277,000	1,367,058,000	1,313,414,000	1,000,154,000	990,494,000	965,547,000	922,227,000	912,815,000	874,915,000	821,276,000	816,219,000	819,231,000	826,385,000	831,586,000	787,957,000	769,400,000	759,861,000	764,863,000	752,788,000	734,240,000	710,025,000	695,024,000	690,838,000	687,301,000	678,643,000	674,805,000	679,381,000
short-term borrowings	80,468,000	43,041,000	44,188,000	36,492,000	37,769,000	37,256,000	47,084,000	49,433,000	33,106,000	51,703,000	30,294,000	35,882,000	41,641,000	28,959,000	30,028,000	35,202,000	44,605,000	29,758,000	31,282,000		52,721,000	33,963,000	41,509,000	24,137,000	29,759,000	33,435,000	30,837,000	27,968,000	35,503,000	36,190,000	32,492,000	34,746,000	42,202,000	39,682,000	57,418,000	51,250,000	42,269,000	44,420,000	47,924,000	31,235,000	41,785,000	39,882,000	44,251,000	67,882,000	39,351,000	37,967,000	109,488,000	61,745,000	48,167,000	59,307,000
long-term borrowings	255,365,000	255,354,000	255,343,000	253,671,000	255,322,000	255,305,000	248,701,000	78,262,000	120,282,000	81,000,000	46,000,000	24,814,000	24,050,000	24,650,000	30,200,000	34,700,000	41,700,000	54,700,000	65,616,000		57,113,000	68,448,000	72,068,000	78,288,000	82,407,000	95,316,000	95,850,000	90,250,000	76,500,000	80,500,000	80,500,000	78,868,000	76,572,000	74,637,000	47,767,000	52,830,000	52,892,000	80,133,000	76,305,000	81,381,000	81,611,000	83,725,000	98,837,000	86,874,000	105,100,000	95,172,000	115,315,000	135,650,000	160,713,000	125,778,000
lease liability	4,696,000	4,946,000	5,790,000		2,110,000																		3,662,000	3,711,000	3,804,000
allowance for unfunded commitments	1,384,000	1,529,000	1,883,000		1,349,000				1,962,000	2,132,000	2,011,000
other liabilities	34,387,000	34,966,000	35,945,000	28,276,000	26,292,000	28,348,000	26,904,000	442,000	23,391,000	19,541,000	17,971,000	74,096,000	16,549,000	15,722,000	15,977,000	15,312,000	15,670,000	16,100,000	18,501,000		17,624,000	21,448,000	14,926,000	15,008,000	14,338,000	12,245,000	11,251,000	11,171,000	10,565,000	10,916,000	9,605,000	8,848,000	6,749,000	7,031,000	7,094,000	6,595,000	6,988,000	9,664,000	7,375,000	8,203,000	11,113,000	9,231,000	11,274,000	11,798,000	7,738,000	13,348,000	12,009,000	7,738,000	7,441,000	6,660,000
total liabilities	2,842,196,000	2,864,377,000	2,883,158,000		2,114,159,000				2,132,884,000	2,121,082,000	2,155,092,000		2,421,783,000	2,436,130,000	2,490,147,000	2,514,873,000	2,522,952,000	2,442,154,000	2,397,005,000		2,246,326,000	2,160,113,000	1,549,775,000	1,498,421,000	1,497,366,000	1,454,410,000	1,138,092,000	1,119,883,000	1,088,115,000	1,049,833,000	1,035,412,000	997,377,000	946,799,000	937,569,000	931,510,000	937,060,000	933,735,000	922,174,000	901,004,000	880,680,000	899,372,000	885,626,000	888,602,000	876,579,000	847,213,000	837,325,000	924,113,000	883,776,000	891,126,000	871,126,000
stockholders’ equity:
preferred stock, 2.50 par value, 20,000,000 shares authorized; no shares outstanding at september 30, 2025 and december 31, 2024
common stock	27,555,000	27,539,000	27,521,000		22,344,000				22,224,000	22,212,000	22,198,000		22,074,000	22,061,000	22,048,000	21,978,000	21,963,000	21,948,000	21,932,000		21,903,000	21,884,000	17,843,000	17,831,000	17,781,000	17,743,000	15,349,000	15,325,000	15,310,000	15,299,000	15,268,000	15,207,000	15,170,000	15,148,000	15,123,000	15,109,000	15,082,000	15,030,000	14,999,000	14,991,000	14,977,000	14,977,000	14,977,000	14,977,000	14,977,000	14,977,000	14,267,000	13,590,000	13,590,000	13,590,000
treasury stock	-19,875,000	-17,167,000	-14,309,000		-11,203,000				-10,502,000	-8,956,000	-8,956,000		-8,927,000	-5,150,000	-2,245,000	-2,245,000	-1,148,000	-728,000	-728,000		-728,000	-728,000					-728,000	-728,000	-728,000					-728,000	-728,000
additional paid-in capital	179,130,000	178,553,000	178,011,000		98,697,000				96,744,000	96,586,000	96,415,000		95,856,000	95,701,000	95,530,000	94,688,000	94,527,000	94,378,000	94,215,000		93,895,000	93,752,000	39,418,000	39,264,000	38,578,000	38,070,000	11,287,000	11,023,000	10,849,000	10,746,000	10,480,000	10,029,000	9,860,000	9,710,000	9,557,000	9,475,000	9,324,000	9,044,000	8,901,000	8,859,000	8,787,000	8,787,000	8,787,000	8,787,000	8,787,000	8,787,000	4,741,000
retained earnings	250,410,000	239,077,000	230,978,000		230,752,000				211,939,000	205,279,000	198,144,000		186,057,000	177,946,000	171,580,000	167,238,000	165,001,000	159,821,000	153,666,000		143,499,000	138,902,000	135,351,000	130,809,000	126,105,000	109,801,000	103,488,000	101,979,000	99,196,000	97,638,000	95,865,000	89,669,000	85,586,000	83,995,000	81,532,000	80,360,000	79,173,000	74,632,000	71,848,000	70,870,000	69,035,000	67,857,000	66,919,000	63,900,000	62,955,000	61,923,000	65,234,000	66,930,000	66,140,000	65,556,000
accumulated other comprehensive loss	-28,578,000	-32,851,000	-35,318,000		-33,835,000				-64,767,000	-58,052,000	-51,960,000		-62,690,000	-43,526,000	-30,904,000	-9,545,000	-10,503,000	-9,053,000	-11,473,000		-1,846,000	-1,620,000					-5,552,000	-5,757,000	-3,873,000
total stockholders’ equity	408,642,000	395,151,000	386,883,000		306,755,000				255,638,000	257,069,000	255,841,000		232,370,000	247,032,000	256,009,000	272,114,000	269,840,000	266,366,000	257,612,000		256,723,000	252,190,000	186,074,000	180,884,000	173,793,000	156,605,000	123,844,000	121,842,000	120,754,000	119,277,000	116,942,000	111,647,000	110,454,000	108,356,000	103,020,000	101,796,000	102,304,000	98,561,000	97,333,000	95,037,000	93,824,000	92,660,000	90,384,000	85,589,000	84,183,000	87,259,000	82,097,000	73,189,000	73,614,000	74,010,000
total liabilities and stockholders’ equity	3,250,838,000	3,259,528,000	3,270,041,000	2,435,358,000	2,420,914,000	2,439,298,000	2,429,050,000	2,392,278,000	2,388,522,000	2,378,151,000	2,410,933,000	2,720,957,000	2,654,153,000	2,683,162,000	2,746,156,000	2,786,987,000	2,792,792,000	2,708,520,000	2,654,617,000		2,503,049,000	2,412,303,000	1,735,849,000	1,679,305,000	1,671,159,000	1,611,015,000	1,261,936,000	1,241,725,000	1,208,869,000	1,169,110,000	1,152,354,000	1,109,024,000	1,057,253,000	1,045,925,000	1,034,530,000	1,038,856,000	1,036,039,000	1,020,735,000	998,337,000	975,717,000	993,196,000	978,286,000	978,986,000	962,168,000	931,396,000	924,584,000	1,006,210,000	956,965,000	964,740,000	945,136,000
preferred stock, 2.50 par value; 20,000,000 shares authorized; no shares outstanding at june 30, 2025 and december 31, 2024
covid-19
preferred stock, 2.50 par value; 20,000,000 shares authorized; no shares outstanding at march 31, 2025 and december 31, 2024
net income				31,846,000		11,279,000	6,768,000	31,688,000				10,199,000								18,394,000
diluted earnings per share				3,730		1,320	800	3,710
cash dividends declared				1,260		320	300	1,140
return on average assets				1,310		1,860	1,120	1,320
return on average equity				10,940		16,120	9,760	12,230
net interest margin 1				3,790		3,820
non-performing assets to total assets				300		140	180	190
net charge-offs to average loans outstanding				20				20
allowance for credit losses to total loans				1,030				1,230
taxable				1,605,976,000		1,612,380,000	1,573,109,000	1,499,635,000
tax-exempt				62,532,000		64,276,000	65,825,000	73,993,000
total loans 2				1,668,508,000		1,676,656,000
investment securities
total investment securities 3				500,127,000
total earning assets				2,222,117,000		2,224,541,000	2,215,296,000	2,188,752,000
allowance for credit losses				-18,589,000		-20,124,000	-19,963,000	-18,915,000
liabilities
interest-bearing demand deposits				516,033,000		513,163,000	512,701,000	569,357,000
money markets				248,733,000		248,191,000	248,297,000	283,918,000
savings deposits				324,034,000		327,274,000	335,215,000	377,498,000				409,839,000
time deposits				258,560,000		263,045,000	244,481,000	230,431,000				370,766,000
total interest-bearing deposits				1,347,360,000		1,351,673,000	1,340,694,000	1,461,204,000
total borrowings				290,163,000		292,561,000	295,785,000	127,695,000
total interest-bearing liabilities				1,637,523,000		1,644,234,000	1,636,479,000	1,588,899,000
noninterest-bearing demand deposits				478,534,000		485,351,000	486,648,000	543,843,000
stockholders’ equity				291,025,000		281,365,000	279,019,000	259,094,000				249,074,000
taxable equivalent net interest income
taxable equivalent adjustment
net interest income												24,048,000								73,068,000
cost of funds
fte net interest margin
preferred stock, 2.50 par value; 20,000,000 shares authorized; no shares outstanding at september 30, 2024 and december 31, 2023
allowance for credit losses to total loans, net of unearned income						1,020	1,210
loans:
investment securities:
total investments 3						497,034,000
interest earning assets
securities
taxable securities						-306,000	-541,000					516,126,000
tax-exempt securities												53,242,000
total securities						-312,000	-547,000					569,368,000
total						1,284,000	519,000
interest bearing liabilities
interest bearing demand deposits						-16,000	-20,000					946,864,000
change in net interest income						-780,000	-1,907,000
net interest margin							3,770	4,070
total loans							1,638,934,000	1,573,628,000
total investments							522,206,000
total investment securities								548,878,000
interest bearing deposits with banks									41,255,000	59,145,000	89,233,000		332,352,000	371,898,000	454,232,000	695,219,000	700,303,000	569,495,000	482,453,000		278,490,000	206,312,000	94,716,000	58,390,000	43,285,000	43,730,000	8,896,000	2,110,000	41,686,000	31,919,000	3,228,000	15,106,000	13,703,000	4,132,000	2,856,000	22,820,000	34,322,000	17,943,000	28,510,000	26,427,000	17,547,000	14,807,000	25,742,000
debt securities available for sale									435,559,000	452,252,000	501,944,000		503,193,000	529,407,000	576,360,000	437,098,000	411,676,000	385,834,000	355,008,000		313,671,000	257,603,000	184,678,000	175,712,000	160,949,000	155,620,000
securities held to maturity, fair value 53,843; 58,078									64,616,000
loans, net of allowance for credit losses 19,264; 17,861									1,596,702,000
right of use assets									2,784,000	2,952,000	2,994,000		3,330,000	3,026,000	3,181,000	3,270,000	3,416,000	3,561,000	2,984,000		3,306,000	3,474,000
non-interest bearing									565,530,000	569,729,000	594,355,000		589,415,000	583,899,000	633,119,000	623,360,000	610,765,000	620,237,000	589,045,000		544,332,000	563,919,000	322,594,000	305,353,000	320,351,000	290,333,000	190,572,000	186,154,000	186,035,000	177,366,000	168,343,000	152,299,000	142,245,000	134,253,000	130,110,000	132,776,000	128,580,000	116,011,000	112,411,000	114,717,000	106,087,000	105,078,000	94,862,000	86,952,000	90,526,000	86,144,000	81,180,000	80,990,000	78,526,000	79,428,000
interest bearing									1,385,829,000	1,394,025,000	1,461,467,000		1,746,798,000	1,779,874,000	1,777,642,000	1,803,029,000	1,806,796,000	1,717,798,000	1,689,577,000		1,571,244,000	1,468,882,000	1,095,016,000	1,071,924,000	1,046,707,000	1,023,081,000	809,582,000	804,340,000	779,512,000	744,861,000	744,472,000	722,616,000	679,031,000	681,966,000	689,121,000	693,609,000	703,006,000	671,946,000	656,989,000	645,144,000	658,776,000	647,710,000	639,378,000	623,073,000	604,498,000	604,694,000	606,121,000	597,653,000	596,279,000	599,953,000
lease liabilities									2,784,000	2,952,000	2,994,000		3,330,000	3,026,000	3,181,000	3,270,000	3,416,000	3,561,000	2,984,000		3,292,000	3,453,000
preferred stock, 2.50 par value; 20,000,000 shares authorized; no shares outstanding
securities held to maturity, fair value 58,133; 58,078										64,926,000
loans, net of allowance for credit losses 19,148; 17,861										1,554,669,000
securities held to maturity, fair value 59,998; 58,078											64,960,000
loans, net of allowance for credit losses 19,485; 17,861											1,512,141,000
interest income												24,894,000								85,290,000
interest expense												846,000								12,222,000
provision for loan losses																				9,140,000
net interest income after provision for loan losses												24,048,000								63,928,000
other income												5,423,000								19,934,000
other expenses												16,673,000								55,195,000
income before income taxes												12,798,000								22,702,000
provision for income taxes												2,599,000								4,308,000
basic earnings per share												1,200								2,130
dollars in thousands
other												427,706,000
total interest earning assets												2,503,428,000
allowance for loan losses												-18,679,000
total interest bearing deposits												1,727,469,000
total interest bearing liabilities												1,788,165,000
non-interest bearing demand deposits												609,622,000
interest rate spread
securities held to maturity, fair value 56,801; 7,482; 6,652													66,304,000
loans, net of allowance for loan losses 17,952; 19,141; 19,033													1,509,176,000
securities held to maturity, fair value 61,542; 8,452; 6,652														66,329,000
loans, net of allowance for loan losses 18,943; 20,207; 19,033														1,490,849,000
securities held to maturity, fair value 27,679; 9,451; 6,652															28,019,000
loans, net of allowance for loan losses 18,963; 20,237; 19,033															1,465,363,000
securities held to maturity, fair value 6,652; 10,768																6,454,000
loans, net of allowance for loan losses 19,033; 20,226																1,449,394,000
securities held to maturity, fair value 7,482; 14,110; 10,768																	7,220,000
loans, net of allowance for loan losses 19,141; 19,200; 20,226																	1,467,745,000
securities held to maturity, fair value 8,452; 15,463; 10,768																		8,139,000
loans, net of allowance for loan losses 20,207; 18,353; 20,226																		1,537,569,000
securities held to maturity, fair value 9,451; 18,565; 10,768																			9,155,000
loans, net of allowance for loan losses 20,237; 15,852; 20,226																			1,590,481,000
merger-related expenses																				5,965,000
non-gaap measures
income statement data
merger-related expenses, net of income taxes																				4,639,000
net income without nonrecurring items																				23,033,000
securities held to maturity, fair value 14,110; 22,518; 19,281																					13,606,000
loans, net of allowance for loan losses 19,200; 13,924; 13,835																					1,681,683,000
securities held to maturity, fair value 15,463; 24,772; 19,281																						14,929,000
loans, net of allowance for loan losses 18,353; 14,057; 13,835																						1,715,210,000
securities held to maturity, fair value 22,518; 32,767; 26,911																							22,443,000
loans, net of allowance for loan losses 13,924; 13,414; 13,964																							1,274,361,000
securities held to maturity, fair value 24,772; 39,145; 26,911																								24,722,000
loans, net of allowance for loan losses 14,057; 13,143; 13,964																								1,265,207,000
securities held to maturity, fair value 25,871; 40,758; 26,911																									26,073,000
loans, net of allowance for loan losses 14,020; 13,417; 13,964																									1,287,315,000
securities held to maturity, fair value 40,758; 53,661; 44,549																										41,378,000
loans, net of allowance for loan losses 13,417; 14,145; 13,976																										1,224,337,000
securities available for sale																											133,719,000	137,099,000	143,940,000	117,001,000	119,412,000	115,442,000	122,938,000	124,758,000	135,163,000	141,536,000	152,518,000	206,912,000	207,719,000	192,092,000	205,534,000	204,580,000	198,359,000	221,686,000	246,347,000	271,375,000	351,344,000	334,247,000	341,264,000	348,713,000
securities held to maturity, fair value 50,000; 60,897; 55,425																											50,088,000
loans, net of allowance for loan losses 14,148; 14,636; 14,194																											955,527,000
securities held to maturity, fair value 53,661; 70,569; 55,425																												53,794,000
loans, net of allowance for loan losses 14,145; 14,540; 14,194																												938,331,000
fixed assets held for sale																															774,000
securities held to maturity, fair value 58,566; 74,069; 71,363																													57,562,000
loans, net of allowance for loan losses 14,488; 14,762; 14,747																													857,535,000
securities held to maturity, fair value 60,897; 75,665; 71,363																														59,681,000
loans, net of allowance for loan losses 14,636; 14,865; 14,747																														852,196,000
securities held to maturity, fair value 70,569; 71,746; 71,363																															69,686,000
loans, net of allowance for loan losses 14,540; 15,065; 14,747																															852,450,000
securities held to maturity, fair value 71,746; 89,947; 73,057																																71,409,000
loans, net of allowance for loan losses 15,065; 16,159; 15,172																																800,145,000
accumulated other comprehensive income																																	566,000	231,000	-2,464,000			583,000	2,313,000	1,045,000	1,753,000	1,767,000	429,000			1,572,000
securities held to maturity, fair value 76,916; 88,351; 92,082																																	77,593,000
loans, net of allowance for loan losses 15,763; 17,239; 16,091																																	733,534,000
securities held to maturity, fair value 89,947; 61,743; 92,082																																		91,503,000
loans, net of allowance for loan losses 16,159; 17,486; 16,091																																		716,401,000
securities held to maturity, fair value 94,667; 48,971; 50,980																																			96,255,000
loans, net of allowance for loan losses 16,797; 15,993; 16,825																																			701,251,000
securities held to maturity, fair value 88,351; 29,011; 50,980																																				90,314,000
loans, net of allowance for loan losses 17,239; 15,322; 16,825																																				683,357,000
securities held to maturity, fair value 61,743; 10,641; 50,980																																					61,262,000
loans, net of allowance for loan losses 17,486; 14,538; 16,825																																					688,330,000
securities held to maturity, fair value 10,641; 10,570; 10,680																																						10,028,000
loans, net of allowance for loan losses 14,538; 14,335; 15,482																																						687,866,000
securities held to maturity, fair value 10,702; 10,681; 10,671																																							10,038,000
loans, net of allowance for loan losses 14,700; 14,344; 15,252																																							653,652,000
securities held to maturity, fair value 10,570; 10,391; 10,671																																								10,041,000
loans, net of allowance for loan losses 14,335; 12,768; 15,252																																								650,043,000
securities held to maturity, fair value 10,844; 10,394; 10,334																																									10,048,000
loans, net of allowance for loan losses 15,278; 10,994; 11,981																																									654,542,000
foreclosed real estate																																									7,934,000
securities held to maturity, fair value 10,681; 10,191; 10,334																																										10,051,000
loans, net of allowance for loan losses 14,344; 9,860; 11,981																																										646,355,000
securities held to maturity, fair value 10,391; 0; 10,334																																											10,054,000
loans, net of allowance for loan losses 12,768; 8,635; 11,981																																											645,448,000
interest bearing deposits in banks																																												14,868,000		892,000	892,000
cash and cash equivalents																																												27,758,000	21,458,000	18,576,000	18,761,000	19,563,000	18,898,000	19,274,000
securities held to maturity, fair value 0; 2,879; 0
loans, net of allowance for loan losses 8,635; 5,931; 7,393																																												632,960,000
interest-bearing deposits in banks																																													1,422,000			892,000	893,000	892,000
securities held to maturity, fair value 0; 15,323; 4,123
loans, net of allowance for loan losses 6,337; 5,514; 5,848																																													591,795,000
investment in bank owned life insurance																																													24,799,000			21,496,000	21,291,000	21,116,000
investments in low income housing partnerships																																													4,856,000			5,425,000	5,543,000	5,665,000
securities held to maturity, fair value 2,879; 15,947; 4,213																																														2,885,000
loans, net of allowance for loan losses 5,931; 5,515; 5,848																																														561,761,000
securities held to maturity, fair value 14,615; 16,831; 16,496																																															14,642,000
loans, net of allowance for loan losses 5,537; 5,173; 5,375																																															545,770,000
dollars in thousands, except per share data
securities held to maturity, fair value 17,287; 21,852; 19,192																																																17,446,000
loans, net of allowance for loan losses 4,915; 4,086; 4,456																																																513,123,000
securities held to maturity, fair value 18,197; 23,354; 19,192																																																	18,242,000
loans, net of allowance for loan losses 4,717; 3,989; 4,456																																																	513,373,000
securities held to maturity, fair value 2005 19,192; 2004 25,089																																																		19,165,000
loans, net of allowance for loan losses 2005 4,456; 2004 3,938																																																		489,008,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-09-30	2025-06-30	2025-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2019-09-30	2019-06-30	2019-03-31	2018-03-31	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-03-31	2013-09-30	2013-06-30	2013-03-31	2012-03-31	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-03-31	2008-06-30	2008-03-31	2006-06-30	2006-03-31

cash flows from operating activities
net income	-12,543,000	14,870,000	11,648,000	-272,000	4,097,000	9,044,000	9,524,000	9,023,000	10,199,000	10,324,000	8,630,000	6,599,000	4,495,000	7,360,000	8,508,000	7,471,000	7,049,000	6,771,000	6,310,000	6,466,000	5,864,000	4,913,000	2,722,000	2,637,000	2,768,000	2,982,000	2,547,000	2,543,000	2,308,000	2,322,000	2,418,000	2,236,000	2,106,000	2,460,000	2,304,000	2,065,000	2,422,000	2,116,000	2,330,000	2,208,000	1,931,000	1,726,000
adjustments to reconcile net income to net cash from operating activities:
gain from mortgage loans held for sale
earnings on investment in bank-owned life insurance	1,121,000	-651,000	-627,000	-580,000	-479,000	-473,000	-484,000	-442,000	-480,000	-362,000	-363,000	-327,000	-342,000	-356,000	-372,000	-338,000	-352,000	-365,000					-276,000	-255,000
net gains on sales or calls of investment securities
net losses on equity securities
gain on sales of assets held for sale					0
restricted stock compensation expense	-364,000	301,000	276,000	612,000	687,000	0	0	317,000	486,000	0	-430,000	673,000	0	0	0	362,000	0	0	0	196,000	126,000	186,000	61,000	59,000	0
depreciation and amortization	-3,311,000	1,758,000	1,773,000	1,445,000	803,000	825,000	851,000	883,000	1,008,000	954,000	955,000	879,000	859,000	854,000	862,000	866,000	906,000	819,000	668,000	691,000	678,000	706,000	472,000	470,000	451,000	420,000	453,000	425,000	498,000	496,000	506,000	510,000	557,000	578,000	569,000	596,000	608,000	567,000	448,000	458,000	457,000	472,000
net accretion of purchase accounting adjustments
(reversal of) provision for credit losses and reversal of unfunded commitments
net amortization of investment securities premiums	-852,000	253,000	322,000	385,000	196,000	-442,000	490,000	446,000	1,168,000	-152,000	-91,000	1,231,000	168,000	574,000	474,000	410,000	334,000	241,000	76,000	82,000	93,000	120,000	125,000	139,000	128,000	117,000	146,000	181,000	256,000	246,000	237,000	225,000								2,000	235,000	246,000
increase in interest receivable			543,000	-615,000	-353,000																																		-247,000	954,000
increase in interest payable	610,000	250,000	-980,000	69,000	346,000																															-59,000	165,000			435,000	-33,000	237,000
mortgage loans originated for sale	94,668,000	-55,813,000	-54,690,000	-26,749,000	-1,455,000	19,832,000	-12,648,000	-8,375,000	-6,299,000	-6,895,000	-9,920,000	-13,550,000	-15,348,000	-13,311,000	-29,304,000	-46,670,000	-46,374,000	-47,089,000					-5,304,000	-6,798,000
proceeds from sales of loans originated for sale	-80,408,000	56,881,000	61,223,000	19,129,000			12,829,000	8,348,000	6,195,000	7,382,000	10,743,000	14,901,000	17,986,000	12,343,000	39,551,000	46,987,000	46,435,000	43,321,000	3,553,000	5,306,000	3,885,000	7,586,000	4,565,000	8,235,000	11,003,000	13,097,000	6,096,000	7,674,000	4,071,000
increase in other assets			-4,006,000	-2,771,000	-8,863,000				-955,000	1,094,000	-1,234,000	-3,208,000	-2,908,000	1,242,000	-2,474,000	-184,000							369,000	-1,471,000
deferred income tax
increase in other liabilities	-959,000	-1,194,000	-286,000	4,113,000	640,000	1,973,000	-1,420,000	4,466,000	-750,000	1,234,000	-456,000	882,000	4,460,000	178,000	-1,232,000	2,559,000	-5,355,000	-3,158,000	-252,000	432,000	968,000	733,000	194,000	1,494,000	54,000	-349,000	1,261,000	715,000	713,000	-133,000	154,000			482,000				91,000			330,000	430,000
net cash from operating activities	-16,566,000	23,197,000	17,762,000	-71,000	8,611,000	7,518,000	9,554,000	14,919,000	9,728,000	13,059,000	9,253,000	7,161,000	8,311,000	8,647,000	16,130,000	9,038,000	7,352,000	1,587,000	6,883,000	6,042,000	6,822,000	7,621,000	2,894,000	4,302,000	1,703,000	3,316,000	3,797,000	3,994,000	6,257,000	4,637,000	6,611,000	1,975,000	4,003,000	7,216,000	2,914,000	2,735,000	2,447,000	1,131,000	2,837,000	2,225,000	3,472,000	1,793,000
cash flows from investing activities
proceeds from calls/maturities of investment securities held to maturity	-1,352,000	1,168,000	164,000	171,000	193,000	488,000
proceeds from calls/maturities of investment securities available for sale	-30,546,000	14,791,000	19,308,000	6,668,000	6,219,000	7,129,000
proceeds from sales of investment securities available for sale	-76,079,000	0	389,000	97,883,000	46,617,000	0	32,012,000	46,612,000																											2,864,000	481,000	3,216,000		1,115,000	10,090,000
purchase of investment securities available for sale	53,027,000	-16,698,000	-15,879,000	-61,055,000					-66,141,000	-13,321,000	-27,826,000	-177,048,000	-52,912,000	-58,585,000	-53,079,000	-52,210,000	-82,093,000	-79,647,000
net redemption of restricted investment in bank stocks
net decrease in loans																					988,000
gain on life insurance proceeds	111,000	0	-31,000	-254,000
net cash and cash equivalents received from acquisition
capital expenditures	0	0	0	-659,000	-994,000	-68,000	-48,000	-58,000	-605,000	-486,000	-389,000	-331,000	-1,046,000	-277,000	-177,000	-76,000	-426,000	-36,000	0	0	0	0	-436,000	-367,000	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	-16,566,000	23,197,000	17,762,000	-730,000	7,617,000	7,450,000	9,506,000	14,861,000	9,123,000	12,573,000	8,864,000	6,830,000	7,265,000	8,370,000	15,953,000	8,962,000	6,926,000	1,551,000	6,883,000	6,042,000	6,822,000	7,621,000	2,458,000	3,935,000	1,703,000	3,316,000	3,797,000	3,994,000	6,257,000	4,637,000	6,611,000	1,975,000	4,003,000	7,216,000	2,914,000	2,735,000	2,447,000	1,131,000	2,837,000	2,225,000	3,472,000	1,793,000
proceeds from sales of assets held for sale					0
net cash from investing activities	-99,698,000	3,004,000	-15,478,000	88,927,000	-13,105,000	-32,768,000	-1,714,000	63,024,000	-55,927,000	-30,347,000	-33,266,000	-212,183,000	-10,047,000	42,481,000	25,342,000	2,745,000	42,031,000	-22,351,000		9,955,000	2,266,000	7,241,000	-10,273,000	-37,786,000	-30,067,000						4,022,000			2,679,000			533,000	26,952,000		5,952,000
cash flows from financing activities
net increase in noninterest-bearing deposits	2,379,000	13,396,000	5,601,000	825,000
net increase in interest-bearing deposits				5,175,000
net increase in short-term borrowings	-65,554,000	37,427,000	-1,147,000	28,362,000	23,776,000	-18,597,000							-9,403,000	14,847,000			-14,257,000	18,758,000							-687,000				6,168,000										1,384,000	7,199,000
proceeds from long-term borrowings					75,000,000	40,000,000	35,000,000	25,000,000	0	0	0	1,500,000	0	0	0	15,000,000			0	0	7,000,000	8,716,000	8,600,000	16,000,000	0	0	9,000,000	4,000,000				10,000,000			3,000,000	0	19,000,000				0	45,000,000
repayments on long-term borrowings	-14,812,000	0	0	-40,188,000					-3,050,000	-600,000	-5,550,000	-6,000,000	-7,000,000	-13,000,000	-10,916,000	-3,129,000	-3,368,000	-11,335,000
dividends paid	6,530,000	-3,537,000	-3,549,000	-3,374,000	-2,545,000	-2,384,000	-2,389,000	-2,384,000	-2,383,000	-2,213,000	-2,264,000	-2,257,000	-2,258,000	-2,180,000	-2,353,000	-2,177,000	-2,176,000	-2,174,000					-1,213,000	-1,213,000
common stock repurchased	5,112,000	-2,708,000	-2,858,000	-3,106,000	-452,000	-1,546,000	0	-29,000	0	-3,777,000			-1,097,000
common stock issued, net of restricted stock forfeitures and withheld for taxes	-578,000	292,000	284,000	-249,000
net cash from financing activities	89,374,000	-27,171,000	-22,738,000	-12,555,000	6,411,000	5,248,000	-37,863,000	-132,038,000	-142,666,000	-21,300,000	-57,993,000	-27,489,000	-10,915,000	78,788,000	44,636,000	95,623,000	50,316,000	88,186,000	49,883,000	-744,000	11,360,000	10,894,000	17,143,000	31,069,000	37,537,000	12,139,000	22,000	15,906,000				11,485,000	20,074,000	4,326,000	10,738,000	-2,060,000	12,094,000				-8,788,000	18,077,000
net increase in cash and cash equivalents	-26,890,000	-970,000	-20,454,000	76,301,000					-188,865,000	-38,588,000	-82,006,000	-232,511,000	-12,651,000	129,916,000	86,108,000	107,406,000	99,699,000	67,422,000	41,109,000	15,253,000	20,448,000	25,756,000			9,173,000			7,772,000				7,579,000	3,498,000	14,221,000	3,864,000	-10,212,000	15,074,000	10,833,000
cash and cash equivalents — beginning	18,386,000	0	0	47,262,000	0	0	0	168,161,000	0	0	0	710,131,000	0	0	0	399,352,000	0	0	0	0	40,905,000	34,441,000	0	18,931,000	0	0	18,757,000	19,673,000	0	0	51,385,000	22,623,000	0	24,173,000	0	0	24,138,000
cash and cash equivalents — ending	-8,504,000	-970,000	-20,454,000	123,563,000	1,917,000	-20,002,000	-30,023,000	114,066,000	-188,865,000	-38,588,000	-82,006,000	477,620,000	-12,651,000	129,916,000	86,108,000	506,758,000	99,699,000	67,422,000	41,109,000	15,253,000	61,353,000	60,197,000	9,764,000	16,516,000	9,173,000	30,042,000	16,176,000	27,445,000	-18,991,000	-8,071,000	46,289,000	30,202,000	3,498,000	38,394,000	3,864,000	-10,212,000	39,212,000
supplemental disclosures of cash flow information
cash paid for interest	-19,597,000	10,103,000	11,544,000	7,718,000
cash paid for federal income taxes
cash paid for state income taxes
supplemental disclosures of certain noncash activities:
recognition of operating lease right of use assets	-573,000	0	546,000	183,000
recognition of operating lease liabilities	-573,000	0	546,000	183,000
transactions related to acquisition:
increase in assets and liabilities:
net assets acquired		0	0	877,557,000
liabilities assumed		0	0	793,908,000
common shares issued		0	0	83,649,000													-57,223,000	0
weighted-average shares outstanding
dilutive effect of unvested shares
per share:
basic
diluted
three months ended march 31, 2026
cra mutual fund
twelve months ended december 31, 2025
gain on sales of loans originated for sale		-1,463,000	-1,575,000	-855,000	-25,000	0	-14,000	-17,000	-19,000	-42,000	-145,000	-281,000	-896,000	-300,000	-914,000	-1,283,000	-1,052,000	-427,000					-73,000	-133,000
gain on sales or calls of securities		0
gain on equity securities									-47,000	88,000	148,000	109,000					-290,000	82,000
benefit from (reversal of) credit losses and unfunded commitments		-729,000
decrease in interest receivable
decrease in other assets																		424,000	-70,000									420,000	371,000			406,000	1,393,000	253,000			175,000	718,000	405,000	1,438,000
decrease (increase) in deferred tax asset		1,230,000	4,779,000	798,000
purchase of restricted investment in bank stocks																								-740,000
net increase in loans		5,102,000			-12,103,000	-40,977,000			-11,573,000	-18,801,000	-25,486,000	-15,969,000					63,085,000	31,960,000					-17,196,000	-44,615,000
net cash received from acquisition		0	0	36,206,000
net capital expenditures		-430,000
net decrease in interest-bearing deposits		-72,041,000
cash paid for income taxes		730,000	1,205,000	6,000
premises and equipment, net transferred to assets held for sale
(gain) loss on equity securities			-3,000	-14,000			15,000	-20,000					-62,000	0	-12,000	-365,000
redemption (purchase) of restricted investment in bank stocks			27,000	616,000
benefit from credit losses and unfunded commitments				5,488,000
net decrease (increase) in loans				9,097,000				5,867,000					18,351,000	69,723,000	52,912,000	27,027,000			-9,304,000			5,372,000								4,247,000	2,119,000
loss on sale of premises and equipment
(gain) loss on sales or calls of securities
gain on sale of low-income housing partnership
(reversal of) benefit from credit losses and reversal of unfunded commitments
decrease (increase) in other assets							-152,000	606,000
proceeds from sales of investment securities held to maturity
proceeds from sales of equity securities							222,000	369,000
purchase of investment securities held to maturity									0	0	0	-22,204,000
purchase of equity securities									-171,000
(purchase)/redemption of restricted investment in bank stocks
proceeds from sale of low-income housing partnerships
purchase of bank-owned life insurance									0								0	0
acquisition of insurance books of business/agency					0
proceeds from sales of premises and equipment										0	0	1,093,000		1,000	184,000	28,000									0
net decrease in noninterest-bearing deposits
net decrease in cash and cash equivalents					1,917,000	-20,002,000	-30,023,000	-54,095,000																-2,415,000
supplemental disclosures of cash flow information:
investments transferred from available for sale to held to maturity									0	0
premises and equipment transferred to fixed assets held for sale																											774,000
loans transferred to foreclosed assets held for resale and other foreclosed transactions									0				0				0	17,000	0	0	48,000	235,000			0	265,000	73,000
loss on sales or calls of securities					4,501,000	0	546,000	193,000
loss on equity securities																						33,000
(reversal of) provision for credit losses and unfunded commitments
increase in deferred tax asset
proceeds from sale of equity securities
net decrease in short-term borrowings								-11,660,000		12,682,000	-1,069,000	-5,174,000				-7,182,000								-6,622,000
nine months ended september 30, 2024
twelve months ended december 31, 2023
canapi ventures sbic fund
stock in other banks
six months ended june 30, 2024
provision for credit losses and provision for unfunded commitments
redemption of equity securities								40,000
three months ended march 31, 2024
benefit from credit losses and benefit from unfunded commitments					544,000	79,000	-152,000	373,000
decrease in deferred tax expense									-138,000												110,000	195,000
common stock issued					178,000	170,000	185,000	188,000	-308,000	168,000	783,000	70,000	15,000	15,000	16,000	14,000	168,000	162,000	166,000	540,000	13,000	134,000	227,000	31,000	114,000	238,000	105,000	92,000	96,000	178,000	90,000	53,000	50,000	86,000
proceeds from loans originated for sale
increase in deferred tax expense						-3,584,000	120,000	-972,000							342,000	-398,000	597,000	76,000
(purchase) redemption of restricted investment in bank stocks						-600,000	-2,325,000	-923,000
net decrease in demand deposits						-4,199,000
net decrease in time certificates of deposits and interest bearing deposits						-8,196,000	-67,442,000	-142,459,000
gain on sales of foreclosed assets held for resale, including writedowns													0				25,000	-93,000										29,000
decrease (increase) in accrued interest receivable							195,000	18,000					226,000	164,000	857,000	183,000										142,000	2,000
increase in accrued interest payable							168,000	72,000									-485,000	-657,000	383,000	451,000	250,000	175,000	55,000	48,000														288,000
acquisition of insurance agency									0	0
proceeds from sales of foreclosed real estate and assets held for sale
interest paid							1,055,000	745,000	848,000	862,000	914,000	1,058,000	1,632,000	1,772,000	2,179,000	2,657,000	3,055,000	3,615,000	2,269,000	2,034,000	1,970,000	1,518,000	1,076,000	1,019,000	956,000	1,017,000	970,000	985,000	977,000	1,105,000	1,423,000	1,770,000	1,808,000	1,949,000	2,623,000	2,541,000	2,390,000	3,589,000	5,196,000	4,913,000	5,666,000	5,166,000
income taxes paid									2,825,000	1,950,000			1,200,000	1,200,000			1,750,000		1,880,000			500,000	1,000,000	750,000	1,200,000	1,050,000	950,000														503,000	84,000
non-cash investing activities
proceeds from maturities of investment securities held to maturity								205,000	398,000	598,000			766,000	919,000	1,016,000	1,139,000	3,312,000	1,323,000	2,279,000	1,351,000	1,193,000	3,449,000	3,690,000	1,748,000	2,077,000	9,954,000	1,778,000	1,837,000	1,904,000	4,291,000	1,028,000									1,255,000
proceeds from maturities of investment securities available for sale								10,912,000	16,726,000	13,902,000	18,322,000	9,628,000	24,080,000	29,990,000	24,577,000	26,693,000	57,418,000	22,878,000	5,582,000	4,941,000	2,121,000	3,842,000	7,442,000	6,014,000	8,011,000	7,094,000	7,229,000	5,758,000	6,025,000	13,851,000	13,326,000	16,865,000	10,353,000	13,938,000	17,213,000	14,315,000	12,468,000	31,461,000		60,892,000
net increase in demand deposits								-694,000	5,634,000	5,516,000	-49,220,000	9,759,000	12,595,000	-9,472,000	31,192,000	32,379,000	12,334,000	-19,587,000	17,241,000	-14,998,000	17,957,000	10,920,000	4,418,000	5,561,000	8,669,000	9,023,000	2,119,000	7,312,000	-2,666,000	4,196,000	9,283,000	3,764,000	-2,306,000	11,253,000	1,009,000	10,216,000	1,033,000	4,466,000
benefit from loan losses													0	0	0	50,000	1,040,000	1,550,000	150,000	125,000	150,000	250,000							150,000	500,000	650,000	1,125,000	1,310,000	1,100,000	1,400,000	2,351,000	859,000	1,125,000	550,000	120,000	225,000	225,000
increase in accrued interest receivable									-493,000	-384,000	232,000	-750,000					367,000	92,000					17,000	-120,000
decrease in accrued interest payable									-1,000	-1,000	-22,000	-34,000	-308,000	-290,000	-115,000	-612,000
redemption of restricted investment in bank stocks									24,000	-4,000	206,000	448,000	65,000	521,000	-91,000	144,000	80,000	560,000							160,000			165,000	414,000	163,000	552,000	342,000
proceeds from life insurance death benefits																																			0
proceeds from sale of premises and equipment
proceeds from sale of foreclosed real estate																											104,000	247,000	582,000	1,913,000	472,000	149,000	406,000	5,374,000
net increase in time certificates of deposits and interest bearing deposits									-142,872,000	-33,076,000	2,232,000	-25,387,000	-3,767,000	88,998,000	28,221,000	60,718,000	57,615,000	102,362,000	23,092,000	25,217,000	1,009,000	4,002,000	5,242,000	17,312,000				22,727,000				1,398,000	11,845,000	2,082,000	11,066,000	8,332,000	4,684,000	15,262,000
premises and equipment transferred to assets held for sale
proceeds from sales of foreclosed real estate																		219,000	0	69,000	221,000	50,000	55,000	174,000	425,000
decrease (increase) in deferred tax expense											1,206,000	37,000	15,000
insurance book- acquisition												-7,800,000					0	0
bank acquisition, net of cash acquired																	0	0
transactions related to acquisition
securities																	0	0
loans																	0	0
premises and equipment																	0	0
investment in bank-owned life insurance																	0	0
restricted investments in bank stocks																	0	0
foreclosed assets held for resale																	0	0
goodwill																	0	0
core deposit intangible assets																	0	0
other assets																	0	0
non-interest bearing deposits																	0
interest bearing deposits																	0	0
trust preferred debentures																	0	0
long term borrowings																	0	0
other liabilities																	0	0
gain on sale of premises and equipment														0
loss on sales of foreclosed assets held for resale, including writedowns
noninterest bearing deposits
(gain) loss on sales of foreclosed assets held for resale, including writedowns
decrease in accrued interest receivable																													66,000									430,000
purchase of book of business
loans transferred to foreclosed assets held for resale																												513,000	63,000	226,000	212,000	517,000
gain on sales of loans
loss on sales of assets held for resale, including writedowns
investment in low-income housing project
incomes taxes paid																													0	1,500,000	725,000				800,000
(gain) loss on sales of assets held for resale, including writedowns
gain on sales of loans and foreclosed real estate, net of write-downs on foreclosed real estate
decrease in interest payable
proceeds from loans sold to others																															14,772,000	1,060,000	4,460,000	8,752,000	12,763,000	6,537,000	692,000
decrease (increase) in interest receivable																																19,000
(gain) loss on sales of loans and foreclosed real estate
gain on sales of securities
decrease in other liabilities
redemption of restricted investments in bank stocks																																	113,000	421,000
loans transferred to foreclosed real estate																																	1,417,000	50,000	969,000	1,312,000	388,000
gain on sales of loans and foreclosed real estate
net amortization																																		111,000	58,000
gain on sales of loans, property and foreclosed real estate
gains on sales of securities
impairment charges on equity securities
proceeds from sales of property and foreclosed real estate																																			364,000	0	292,000	151,000
purchase of treasury stock
(gain) loss on sales of loans, property and foreclosed real estate
net accretion of investment securities discounts
cash paid for insurance agency acquisitions, net of cash acquired																																						4,000
increase in mortgage loans held for sale
net sale of restricted investment in bank stocks
cash and cash equivalents - beginning																																						16,925,000			0	19,274,000
cash and cash equivalents - ending																																						27,758,000			665,000	18,898,000
gain on sales of loans and property
proceeds from maturities of investment securities held-to-maturity																																									768,000	891,000
proceeds from maturities of investment securities available-for-sale																																									5,148,000	5,727,000
purchase of investment securities available-for-sale
net sale (purchase) of restricted investment in bank stocks																																							67,000	1,577,000
investment in insurance book of business
investment in low income housing partnerships
proceeds from sales of property
net increase in demand deposits, interest-bearing deposits, and savings accounts
net increase in time certificates of deposit																																							-196,000	11,246,000
cash and cash equivalents – beginning																																							0	19,212,000
cash and cash equivalents – ending																																							2,882,000	18,576,000
net increase in demand deposits, interest bearing deposits, and savings accounts																																								8,952,000
deferred income taxes
net purchase of restricted investment in bank stocks
purchase of insurance book of business
investments in low-income housing partnerships
gains on sales of loans, property and foreclosed real estate
(gains) losses on sales of securities
(benefit) expense for deferred taxes
loans originated for sale
increase(decrease) in other liabilities
proceeds from maturities of securities held to maturity
proceeds from maturities of securities available for sale
proceeds from sales of securities available for sale
purchase of securities available for sale
proceeds from sale of property and foreclosed real estate
cash in lieu of fractional shares, stock dividend
cash and cash equivalents—beginning
cash and cash equivalents—ending
in thousands
earnings on investment in bank owned life insurance
proceeds from sales of securities available-for-sale
net redemption (purchase) of restricted investment in bank stocks
purchase of bank owned life insurance
purchase of russell insurance group, inc.
investments in low income housing partnerships
gain on sales of loans, property, and foreclosed real estate
net purchase of restricted investments in bank stocks
cash paid for insurance agency acquisition
net increase in demand deposits, now accounts, and savings accounts
interest and dividends received
fees and commissions received
cash paid to suppliers and employees
proceeds from sales of mortgage loans
purchase of securities held to maturity
reconciliation of net income to net cash from operating activities

ACNB Corporation(NASDAQ:ACNB)

ACNB Corporation
(NASDAQ:ACNB)