[Form 4] ACNB CORP Insider Trading Activity

Rhea-AI Filing Summary

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.

Positive

• Director compensation was disclosed, showing compliance with SEC reporting requirements
• Filing specifies inclusion of DRIP shares, clarifying the composition of post-transaction beneficial ownership
• Execution date and POA signature provided, indicating procedural completeness

Negative

• None.

Insights

Securities Analyst

TL;DR: Director received equity compensation of 175.6636 shares, increasing beneficial ownership to 9,322.2651 shares; transaction is routine director compensation.

The reported non-derivative transaction is described as director compensation rather than an open-market purchase, with an indicated per-share price of $44.83 tied to the compensatory issuance. The filing clarifies that additional shares from dividend reinvestment are included in the post-transaction ownership total and are exempt from Section 16 reporting. This is a standard insider issuance disclosure required for officers and directors and does not by itself indicate a change in corporate control or a market-moving event.

Corporate Governance Expert

TL;DR: Governance disclosure appears complete: issuance under director plan, Rule 16 execution date noted, POA signature present.

The Form 4 documents compensation-related share issuance to a director and explicitly cites the applicable SEC Rule for execution dating, which supports procedural compliance. The presence of a power-of-attorney signature indicates the reporting obligations were fulfilled by an authorized agent. No derivative transactions or unusual vesting terms are reported in this filing.

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

1. Name and Address of Reporting Person^*

Chaney Kimberly S

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025

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	09/15/2025	09/16/2025(1)	A		175.6636(2)	A	$44.83	9,322.2651(3)	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. The shares represent stock received as compensation for service as a director pursuant to a director compensation plan.

3. This amount includes shares of common stock purchased for the same transaction date through the automatic reinvestment of dividends under the ACNB Corporation Dividend Reinvestment and Stock Purchase Plan, which are exempt from the reporting requirements of Section 16 of the Securities Exchange Act of 1934.

Remarks:

	/s/ Kevin J. Hayes as POA for Kimberly S. Chaney	09/17/2025
	** 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 transaction did Kimberly S. Chaney report on the ACNB Form 4?

Chaney received 175.6636 shares as director compensation on 09/15/2025, at an indicated price of $44.83 per share.

How many ACNB shares does Kimberly S. Chaney beneficially own after the transaction?

9,322.2651 shares beneficially owned following the reported transaction.

Were any derivative securities reported in this Form 4 for ACNB?

No derivative securities are reported in Table II of this Form 4.

Did the filing explain why the execution date was set as reported?

Yes; the filing states the execution date was determined under SEC Rule 16a-3(g)(2) and (g)(4).

Does the beneficial ownership total include dividend reinvestment shares?

Yes; the amount includes shares purchased through the ACNB Dividend Reinvestment and Stock Purchase Plan, which are exempt from Section 16 reporting.