Acnb Corp SEC Filings

ACNB Corporation reported stronger Q3 results driven by the February acquisition of Traditions Bancorp. Net income rose to $14.9M from $7.2M a year ago as net interest income increased to $32.1M from $20.9M, aided by higher loan balances and a modest reversal of credit loss provisions. Diluted EPS was $1.42 versus $0.84.

Balance sheet expansion reflected the deal: total assets reached $3.25B and deposits were $2.47B at September 30, 2025. Loans, net, were $2.31B. Noninterest income improved to $8.4M, helped by mortgage banking gains. Noninterest expense was $22.4M, with merger-related costs of $169k in the quarter and $10.1M year-to-date. ACNB issued 2,035,246 shares and valued the Traditions transaction at $83.8M, recording $20.3M goodwill and a $18.9M core deposit intangible. The company repurchased 61,586 shares under a plan authorizing up to 314,000 shares.

ACNB Corporation announced its Board approved and declared the regular quarterly cash dividend for the fourth quarter of 2025. The dividend is $0.38 per common share, payable on December 15, 2025 to shareholders of record as of December 1, 2025.

ACNB Corporation reported that on October 15, 2025, its subsidiary ACNB Bank purchased single premium bank owned life insurance (BOLI) policies for several senior officers under the Bank’s 2023 Executive Supplemental Life Insurance Plan. The Plan provides a split-dollar maximum life insurance benefit equal to two times a participant’s base salary, with benefits vesting over five years. The Bank owns the policies’ cash values and is beneficiary of death benefits above each participant’s vested amount. Subject to vesting, Brett D. Fulk’s life insurance benefit is $668,304 as currently provided.

John M. Polli, a director of ACNB Corporation, reported an acquisition of 250.948 shares of ACNB common stock executed on 09/15/2025 (deemed execution date 09/16/2025) at a price of $44.83 per share. After the transaction his beneficial ownership is reported as 35,337.6214 shares held directly. The filing states the shares include stock received as director compensation under the company’s director compensation plan and shares purchased via automatic dividend reinvestment under ACNB’s Dividend Reinvestment and Stock Purchase Plan, which are exempt from Section 16 reporting. The Form 4 was signed by Kevin J. Hayes as power of attorney on 09/17/2025.

Scott L. Kelley, a director of ACNB Corporation (ACNB), reported a non-derivative purchase of company common stock executed on 09/15/2025 and reported on Form 4. The filing shows 175.6636 shares were acquired at $44.83 per share, and the reporting person now beneficially owns 27,028.7026 shares following the transaction. The filing states the shares were received as director compensation under the companys director compensation plan and that additional shares from the same transaction date reflect automatic reinvestment of dividends under ACNBs Dividend Reinvestment and Stock Purchase Plan (these DRIP shares are exempt from Section 16 reporting). The Form 4 was signed by a power of attorney on behalf of Scott L. Kelley on 09/17/2025.

Kimberly S. Chaney, a director of ACNB Corporation (ACNB), received 175.6636 shares of ACNB common stock as director compensation on 09/15/2025 at an indicated price of $44.83 per share. Following that transaction, Chaney beneficially owned 9,322.2651 shares. The filing notes the execution date was determined under SEC Rule 16a-3(g)(2) and (g)(4), the shares were received under a director compensation plan, and the total beneficial ownership includes shares purchased through automatic dividend reinvestment under the company’s Dividend Reinvestment and Stock Purchase Plan, which are exempt from Section 16 reporting. The Form 4 was signed by Kevin J. Hayes as power of attorney on 09/17/2025.

ACNB Corporation insider activity: The Form 4 shows that director Frank Elsner III acquired a total of 181.4296 shares of ACNB common stock (reported as 175.6636 and 5.766 shares) at a reported price of $44.83 per share, increasing his beneficial ownership to approximately 27,947.77 shares. The filing states the larger allotment represents stock received as director compensation under a director compensation plan, and that the total includes shares purchased via automatic dividend reinvestment under ACNB’s Dividend Reinvestment and Stock Purchase Plan, which are exempt from Section 16 reporting requirements.

Alan J. Stock, a director and chairman of ACNB Corporation, acquired 250.948 shares of ACNB common stock on 09/15/2025 at $44.83 per share as reported on Form 4. The filing shows the reporting person holds 87,236.1356 shares following the transaction. The reported shares include stock received as director compensation and additional shares bought through the company's dividend reinvestment plan, the latter noted as exempt from Section 16 reporting. The Form 4 was signed by a power of attorney on behalf of Mr. Stock and includes an execution-date clarification under SEC Rule 16a-3.