ACNB Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
ACNB Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.86% in Q3 2026, up 0.24 percentage points from 5.62% in Q3 2025. Across the 12 quarters shown it ranged from 4.49% (Q4 2023) to 5.86% (Q3 2026).
The largest change between Q2 2026 and Q3 2026 was in Total interest expense, which rose 5.3% to $9.8M. Among 109 Pennsylvania banks, ACNB Bank sits 7th from the top on net interest margin, 4.59% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. ACNB Bank sits 0.80 points higher, at 4.59% (Q3 2026).
Asset yields
Yield on loans changed the most here, up 0.08 points to 6.48% in Q3 2026 from 6.40% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.48% |
| Yield on securities | 3.41% |
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Funding costs
Cost of interest-bearing liabilities changed the most here, up 0.08 points to 1.75% in Q3 2026 from 1.67% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 4.05% |
Spread and margin
Net interest margin moved most in this table, up 0.03 points: 4.56% in Q2 2026, 4.59% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $39.1M |
| Total interest expense | $9.8M |
| Interest expense on deposits | $6.7M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.49% | 0.66% | 3.87% | 5.33% | 2.01% |
| Q1 2024 | 4.60% | 0.96% | 3.70% | 5.34% | 2.32% |
| Q2 2024 | 4.73% | 1.06% | 3.74% | 5.50% | 2.23% |
| Q3 2024 | 4.82% | 1.15% | 3.75% | 5.58% | 2.24% |
| Q4 2024 | 4.87% | 1.15% | 3.81% | 5.64% | 2.29% |
| Q1 2025 | 5.38% | 1.40% | 4.05% | 6.15% | 2.39% |
| Q2 2025 | 5.57% | 1.46% | 4.19% | 6.28% | 2.65% |
| Q3 2025 | 5.62% | 1.43% | 4.29% | 6.33% | 2.71% |
| Q4 2025 | 5.68% | 1.39% | 4.39% | 6.38% | 2.89% |
| Q1 2026 | 5.66% | 1.35% | 4.40% | 6.25% | 3.33% |
| Q2 2026 | 5.80% | 1.32% | 4.56% | 6.40% | 3.39% |
| Q3 2026 | 5.86% | 1.38% | 4.59% | 6.48% | 3.41% |
ACNB Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full ACNB Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 7506) · FFIEC NIC profile (RSSD 5210)