ACNB (ACNB) SVP receives stock award; shares withheld for taxes

Rhea-AI Filing Summary

ACNB CORP executive Emily E. Berwager reported a stock-based compensation grant and related tax withholding. On March 13, 2026, she received 1,734.1663 shares of ACNB Corporation Common as a variable equity award under the company’s stock incentive and bank variable compensation plans.

A footnote explains that one-third of this award vested immediately on the grant date, with additional thirds vesting on January 1, 2027 and January 1, 2028. To cover tax liabilities on the portion that vested on March 13, 2026, 181.0627 shares were withheld by ACNB and/or ACNB Bank. The filing clarifies that she did not sell these shares on the market. After these transactions, Berwager holds 6,026.3114 ACNB shares directly, reflecting a routine compensation-related equity increase rather than an open-market purchase or sale.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Berwager Emily E

Role Insider

Type	Security	Shares	Price	Value
Grant/Award	ACNB Corporation Common	1,734.166	$46.42	$80K
Tax Withholding	ACNB Corporation Common	181.063	$46.42	$8K

Holdings After Transaction: ACNB Corporation Common — 6,207.374 shares (Direct)

Footnotes (1)

1. The date of execution was determined in accordance with SEC Rule 16a-3(g)(2) and (g)(4). One-third (1/3) of this Variable Equity Award, granted in the form of restricted stock under the ACNB Bank Variable Compensation Plan and pursuant to the ACNB Corporation 2018 Omnibus Stock Incentive Plan, is 100% vested as of the Grant Date of March 13, 2026, with the next one-third (1/3) 100% vested as of January 1, 2027, and the final one-third (1/3) 100% vested as of January 1, 2028. The shares disposed were withheld by the Issuer and/or its subsidiary ACNB Bank for payment of the tax liability by withholding of securities, on the first one-third (1/3) vested as of the Grant Date of March 13, 2026, in accordance with SEC Rule 16b-1. For clarification, the executive did not sell the shares.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Berwager Emily E

(Last) (First) (Middle)

16 LINCOLN SQUARE

(Street)

GETTYSBURG PA 17325

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ACNB CORP [ ACNB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
	Officer (give title below)	X	Other (specify below)
			ACNB Bank SVP

3. Date of Earliest Transaction (Month/Day/Year)
03/13/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
ACNB Corporation Common	03/13/2026	03/16/2026(1)	A		1,734.1663(2)	A	$46.42	6,207.3741	D
ACNB Corporation Common	03/13/2026	03/16/2026(1)	F		181.0627(3)	D	$46.42	6,026.3114	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The date of execution was determined in accordance with SEC Rule 16a-3(g)(2) and (g)(4).

2. One-third (1/3) of this Variable Equity Award, granted in the form of restricted stock under the ACNB Bank Variable Compensation Plan and pursuant to the ACNB Corporation 2018 Omnibus Stock Incentive Plan, is 100% vested as of the Grant Date of March 13, 2026, with the next one-third (1/3) 100% vested as of January 1, 2027, and the final one-third (1/3) 100% vested as of January 1, 2028.

3. The shares disposed were withheld by the Issuer and/or its subsidiary ACNB Bank for payment of the tax liability by withholding of securities, on the first one-third (1/3) vested as of the Grant Date of March 13, 2026, in accordance with SEC Rule 16b-1. For clarification, the executive did not sell the shares.

Remarks:

	/s/ Emily E. Berwager	03/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did ACNB (ACNB) executive Emily Berwager report in this Form 4?

Emily E. Berwager reported a grant of ACNB Corporation Common stock as compensation and related tax withholding. She received 1,734.1663 shares and had 181.0627 shares withheld to cover taxes, resulting in 6,026.3114 shares held directly after the transactions.

Was there an open-market buy or sell of ACNB (ACNB) shares in this filing?

No open-market purchase or sale occurred. The filing shows a stock award and tax withholding. A footnote states the disposed shares were withheld by ACNB and its bank subsidiary for tax payments, and clarifies that the executive did not sell the shares in the market.

How many ACNB (ACNB) shares did Emily Berwager receive and how many were withheld for taxes?

She received 1,734.1663 ACNB Corporation Common shares as a variable equity award. Of this, 181.0627 shares were withheld by ACNB and/or ACNB Bank to satisfy tax obligations on the vested portion of the award, leaving 6,026.3114 shares directly owned afterward.

How is Emily Berwager’s ACNB (ACNB) stock award scheduled to vest?

The variable equity award vests in three equal parts. One-third vested 100% on the March 13, 2026 grant date. The second one-third will be 100% vested on January 1, 2027, and the final one-third will be 100% vested on January 1, 2028, according to the filing footnote.

What is Emily Berwager’s role at ACNB (ACNB) and what is the nature of this equity grant?

Emily E. Berwager is an ACNB Bank Senior Vice President. The reported equity is a Variable Equity Award granted as restricted stock under the ACNB Bank Variable Compensation Plan and the ACNB Corporation 2018 Omnibus Stock Incentive Plan, representing routine stock-based compensation rather than discretionary trading.