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ACNB ACNB Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$515K+12.7%
Old National Bancorp logo
Old National BancorpONB
$7.56M+40.5%
Amerant Bancorp logo
Amerant BancorpAMTB
$2.56M+4.7%
NBT
NBT BancorpNBTB
$2.66M-21.7%
Renasant logo
RenasantRNST
$3.69M+25.9%
CTB
Community Trust BancorpCTBI

Other financials

Income statement

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Revenue$50.5M+16.2%
Net income$13.7M+5,138%
EPS (diluted)$1.32+4,500%

Balance sheet

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Cash & equivalents$93.6M-24.2%
Total debt$323.6M-16.0%
Total equity$425.5M+10.0%
Total assets$3.3B0.0%

Cash flow

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Operating cash flow$24.3M+1,903%
CapEx$334.0K-49.3%
Free cash flow$24.0M+1,295%

Valuation

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Market cap$596.28M+37.9%
Enterprise value$826.21M+19.0%
P/E11.7×-5.7×
P/S-0.1×

Profitability

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Net margin25.7%+7.7pp
FCF margin39.5%+20.6pp

Returns & leverage

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Return on equity12.6%+5.1pp
Debt / equity0.8×-0.2×

Where this comes from

Reported directly by ACNB in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: ACNB’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ACNB's bank owned life insurance income?
ACNB (ACNB) reported bank owned life insurance income of $737K in Q1 2026.
How has ACNB's bank owned life insurance income changed year-over-year?
ACNB's bank owned life insurance income increased by 27.1% year-over-year, from $580K to $737K.
What is the long-term trend for ACNB's bank owned life insurance income?
Over 4 years (2021 to 2025), ACNB's bank owned life insurance income has grown at a 16.5% compound annual growth rate (CAGR), from $1.41M to $2.59M.
What does bank owned life insurance income mean?
This represents the earnings or increase in cash surrender value derived from life insurance policies held by the bank on the lives of its employees or executives. It serves as a tax-advantaged investment vehicle used to offset the costs of employee benefit plans. A consistent income stream here indicates effective management of long-term corporate assets.