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2 0 2 5 A N N U A L R E V I E W
2025 ANNUAL REVIEW
BUILDING A STRONGER
TOMORROW
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We believe progress begins with people. Every relationship
we build, every decision we make, and every partnership
we form is guided by a shared purpose — to strengthen
the communities we call home. By providing accessible
and customer-focused financial services, we’re creating
opportunities that support families, businesses, and local
organizations today, while establishing a resilient foundation
for the future. Together, we’re building a stronger tomorrow—
one defined by connection, trust, and shared success.
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2 0 2 5 A N N U A L R E V I E W
2025 Record Financial Performance
ACNB Corporation's full year record financial results reflect both the scale of our growth and another
robust year of operating performance. We reported a record net income of $37.1 million for the full year
2025, or $3.60 diluted earnings per share, a $5.2 million increase over 2024. Core net income1, which adjusts
for certain merger costs and other discrete items, reached $52.4 million. Our balance sheet grew to total
assets of $3.23 billion by year-end, driven primarily by the addition of $877.7 million in assets from the
Traditions Bancorp, Inc. acquisition.
While the increased scale and growth of the Corporation certainly contributed to these record earnings,
ACNB Corporation’s business lines continued to perform very favorably. Our fully taxable equivalent
net interest margin expanded to 4.23%, up from 3.79% in 2024, benefiting from higher loan yields, lower
deposit costs, and the accretion of acquisition accounting. We also saw positive increases in our non-interest
income compared to the prior year due primarily to increases in gain on sales of residential mortgage loans,
as well as meaningful revenues from wealth management fee income and sales of insurance products.
REPORT TO
SHAREHOLDERS
The past year was truly a transformational time for ACNB Corporation.
In 2025, we delivered on our commitment to creating value for our
shareholders and customers by executing the largest strategic
transaction in our company’s history: the successful acquisition and
integration of Traditions Bancorp, Inc. This milestone has further
elevated our reputation as a premier, locally focused and managed
community bank by significantly expanding our footprint in attractive
markets and adding valuable relationships and talent. Despite the
complexities of integration and a dynamic economic landscape, ACNB
Corporation achieved a record year of earnings. Our performance
and accomplishments in 2025 are the result of a focus on disciplined
community banking and living our vision of building relationships and
finding solutions. Together, we are building a stronger tomorrow for our
customers, community partners, employees, and shareholders.
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A C N B C O R P O R AT I O N
2 0 2 5 A N N U A L R E V I E W
The Corporation’s core return on average equity1 of 13.36% and
core return on average assets1 of 1.64% for 2025 reflect strong
underlying performance across our lines of businesses.
As part of our efforts to position the Corporation for continued
success, in December 2025, we completed a strategic
repositioning of our investment securities portfolio, selling
$74.6 million in lower-yielding securities to improve future
interest income. While the Corporation took an after-tax loss
of $2.8 million on the transaction, which negatively impacted
2025 results, it allowed us to reinvest the proceeds of the sale
into significantly higher yielding assets, which will contribute
to our financial performance in the future.
Traditions Bancorp, Inc. Acquisition and Integration
A major accomplishment of ACNB Corporation and its teams
in the past year was the successful acquisition and integration
of Traditions Bancorp, Inc. and its operating subsidiary
Traditions Bank. By acquiring Traditions Bank, ACNB Bank
expanded its community banking branch office network by six
offices throughout the attractive markets of York and Lancaster
Counties in Pennsylvania.
While the transaction legally closed on February 1, 2025, it took
many months of hard work by our employees to prepare for the
operational integration and systems conversion of Traditions
Bank into ACNB Bank in April 2025. Our teams were intensely
focused on ensuring that these efforts were not only successful,
but presented as little disruption and impact to customers
as possible. We look back at our teams’ efforts in 2025 with
gratitude and pride for the dedication they showed to delivering
a successful integration and customer experience.
As a combined company, we believe we are stronger and better
equipped to deliver on our commitment to providing a full array
of financial services to our customers than either company was
on its own. By expanding our geographic footprint, acquiring
talented employees, and gaining relationships with new
customers, this acquisition has positioned the Corporation for
continued success into the future.
ACNB Bank
ACNB Bank, our banking subsidiary, is the primary driver of
revenues and profit at ACNB Corporation. The majority of the
Bank’s revenue is premised on a longstanding business model of
reinvesting our depositors’ dollars into loans to individuals and
businesses in our local communities. Today, ACNB Bank serves
its local communities with banking and wealth management
services via a network of 33 community banking offices and
two loan offices located throughout south central Pennsylvania
and northern Maryland. In addition, ACNB Bank continues
to invest in new technology and an array of digital and mobile
tools to better serve both our current and future customers, and
offers many treasury management services to meet our business
customers’ needs.
In 2025, ACNB Bank’s growth in loans and deposits compared
to the prior year was primarily driven by the acquisition of
Traditions Bank. The Bank’s deposit base grew to $2.45 billion
at year end 2025, a 36.7% increase over $1.79 billion at the end of
2024, and the loan portfolio grew to $2.33 billion in total loans
at the end of 2025, an increase of 38.5% over the $1.68 billion
at the end of 2024. Despite this growth in the loan portfolio,
combined with competitive market conditions and uncertainty
in the economic environment, ACNB Bank’s asset quality
continues to be a key strength. As of the end of the year, the
ratio of non-performing loans to total loans (net of unearned
income) was at 0.46%, and the ratio of net charge-offs for the year
to average loans outstanding stood at 0.01%. These outstanding
credit quality metrics are evidence of the Bank’s disciplined
underwriting and origination process.
While the Bank’s business of providing accessible financial
services to our local customers and communities is a core part
of our identity, ACNB Bank employees also demonstrated their
commitment to their local communities through volunteerism
and community engagement. The Bank complemented our
employees’ support of local organizations by making financial
contributions of approximately $600,000 to community
organizations and non-profits in 2025. Of that amount, $370,000
consisted of donations and grants to 69 non-profit organizations
through the Pennsylvania Educational Improvement Tax Credit
(EITC) program.
Traditions Mortgage
ACNB Bank’s Residential Mortgage Lending Division, which
operates as Traditions Mortgage throughout the Bank’s entire
footprint, is proud to provide the means to homeownership
for individuals and families. Traditions Mortgage has a variety
of lending capabilities, including conventional, FHA, USDA,
VA, construction, and programs for professionals, first-time
homeowners, low-income homeowners, and a variety of other
unique circumstances. While 2025 continued to present a
challenging mortgage market with housing inventory at record
low levels and mortgage rates still relatively high compared to
the prior decade, Traditions Mortgage was still able to assist
customers with 926 mortgage loans totaling over $275.4 million.
The Bank sells the majority of these loans on the secondary
mortgage market, and the Bank’s gain on the sale of mortgages
in 2025 totaled $5.3 million in revenue, compared to $301
thousand in 2024. The Mortgage Division not only assists the
Bank in supporting the credit needs of its communities, but
further diversifies the revenue stream to the Corporation. While
housing and interest rate challenges may persist into the future,
the expertise and capabilities of Traditions Mortgage ensure that
the Bank is poised to serve its customers’ needs regardless of the
economic environment.
Wealth Management
ACNB Bank’s Wealth Management Division is composed of Trust
& Investment Services staff and Wealth Advisors, with the goal
of working in tandem to offer a full range of options for client
investment planning and portfolio management. Under the
Bank’s trust powers, traditional fiduciary, investment and related
services are provided to clients. Via a third-party relationship,
ACNB Bank offers retail brokerage services under the brand
of ACNB Wealth Advisors. With assets under management
and administration of $738.8 million at December 31, 2025,
the Wealth Management Division attained revenues from
fiduciary, investment management, and brokerage activities
of $4.5 million for the year, an increase of 5.9% over the prior
year. From the beginning of 2024 to the end of 2025, the Wealth
Management Division has grown its assets under management
and administration by over $99 million, representing a 15.5%
increase. This significant growth is a testament to the Wealth
Management Division’s client-centered approach combined
with favorable market performance during that period.
ACNB Insurance Services, Inc.
Operating from its primary offices in Westminster, Maryland and
Gettysburg, Pennsylvania, ACNB Insurance Services, Inc. is a
full-service insurance agency offering a broad range of property,
casualty, liability, health, life, and disability insurance to both
personal and commercial clients that is licensed to do business
in 46 states. The agency, a subsidiary of the Corporation,
provides a significant source of noninterest income for ACNB
Corporation in the form of commissions from insurance sales.
In 2025, revenues were $9.5 million, down slightly from the $9.8
million in 2024. The agency’s net income declined over the prior
year to $620 thousand in 2025, primarily driven by a write-off
of legacy accounts receivable, combined with the agency’s
ongoing investments in its people, technology capabilities, and
community partnerships. These investments position the agency
for future growth and long-term value creation. The agency is a
strategic asset that adds diversity to the Corporation’s revenue
stream by way of stable non-interest income derived from a
larger geographic area, and reinforces the Corporation’s position
in the marketplace as a complete provider of financial services
encompassing both banking and insurance.
Shareholder Dividends and Equity
In 2025, ACNB Corporation furthered its long history of paying
a sustainable and growing dividend to its shareholders. In 2025,
the Corporation paid cash dividends of $1.38 per share of common
stock to its shareholders, an increase of 9.5% over the $1.26 per
share paid in 2024. In that same time frame, the quarterly
cash dividend amount increased by 18.8% to $0.38 per share in
December of 2025 from $0.32 in December of 2024. Despite this
meaningful increase in the amount of dividends paid in 2025,
the Corporation’s dividend payout ratio was a sustainable 38.3%
of earnings. The Corporation has increased the amount of cash
dividends paid each year for eight consecutive years since 2017,
and views dividends as a means of rewarding our shareholders
for their continued investment in the Corporation, while also
allowing sufficient earnings to be retained by the Corporation for
continued growth and reinvestment into the business.
At year-end 2025, total stockholders’ equity was $420.0 million. As
compared to $303.3 million at year-end 2024, this is an increase
of 38.5%, due primarily to the common stock equity issued in
conjunction with the Traditions Bancorp acquisition as well
as earnings retained as capital in 2025. Book value increased to
$40.63 per share as of year-end 2025, a 14.1% increase over the
$35.61 per share at year-end 2024.
In Closing
While 2025 was a record year by many measures, our success
enables us to turn towards 2026 with confidence and enthusiasm.
On behalf of our board of directors and management team,
we would like to express our gratitude to the support of our
shareholders—your investment in ACNB Corporation allows us
to provide accessible and customer-focused financial services to
members of our local communities, while creating a foundation
for future long-term growth and profitability. Together, we are
building a stronger tomorrow—one defined by connection, trust,
and shared success.
Sincerely,
Alan J. Stock
Chair of the Board
James P. Helt
President & Chief Executive Officer
1 Non-GAAP financial measure. Please refer to the calculation on the Financial Highlights page later in the annual review.
Together, we are building a
stronger tomorrow—one defined by
connection, trust & shared success
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2 0 2 5 A N N U A L R E V I E W
PROFILE &
GEOGRAPHY
ACNB Corporation, headquartered in Gettysburg, PA, is the
independent $3.23 billion financial holding company for the
wholly-owned subsidiaries of ACNB Bank, Gettysburg, PA,
including its operating divisions Traditions Bank and Traditions
Mortgage, and ACNB Insurance Services, Inc., Westminster, MD.
Originally founded in 1857, ACNB Bank serves its marketplace with banking and wealth
management services, including trust and retail brokerage, via a network of 33 community
banking offices and two limited purpose offices located in the Pennsylvania counties of Adams,
Berks, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore,
Carroll and Frederick.
ACNB Insurance Services, Inc. is a full-service insurance agency with licenses in 46 states.
The agency offers a broad range of property, casualty, health, life and disability insurance
serving personal and commercial clients through office locations in Westminster, MD, and
Gettysburg, PA.
For more information regarding ACNB Corporation and its subsidiaries, please visit
investor.acnb.com.
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A C N B C O R P O R AT I O N
ACNB Corporation Operations Center
ACNB Bank
ACNB Bank Loan Office
ACNB Insurance Services, Inc.
Traditions Bank, A Division of ACNB Bank
Traditions Center
Visit acnb.com and acnbinsurance.com for specific locations.
Our Locations
PENNSYLVANIA
MARYLAND
CUMBERLAND
LANCASTER
BERKS
YORK
ADAMS
FRANKLIN
CARROLL
FREDERICK
BALTIMORE
M A R K E T G E O G R A P H Y
We believe the success of this company is
the responsibility of every employee.
We treat everyone with dignity and respect.
We tell the truth and keep our promises.
We encourage creative thinking and
alternative solutions.
We recognize communication and teamwork
are essential to building relationships.
We embrace change as an opportunity and
see every challenge as a chance to make
a difference.
We take ownership of every opportunity to
satisfy our customers and our coworkers.
• • •
We work hard to exceed expectations,
fulfill our mission, and live our values.
Positive. Professional. Proud.
OUR CORE VALUES
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A C N B C O R P O R AT I O N
2 0 2 5 A N N U A L R E V I E W
** Excluding the strategic balance sheet repositioning, net of the corresponding tax impact, in the amount of $3.5 million, ACNB Corporation’s core net income for the year
ended December 31, 2023, was $35.2 million (non-GAAP).
* Excluding the discrete merger expenses incurred as a result of the acquisition and integration of Traditions Bancorp, Inc., net of the corresponding tax impact, in the amount
of $1.6 million, ACNB Corporation’s core net income for the year ended December 31, 2024, was $33.4 million (non-GAAP).
† Excluding the discrete merger expenses and the initial loan loss provision for non-purchased credit deteriorated loans incurred as a result of the acquisition and integration of
Traditions Bancorp, Inc., net of the corresponding tax impact, in the amount of $12.6 million and excluding the strategic balance sheet repositioning, net of the corresponding
tax impact, in the amount of $2.8 million, ACNB Corporation’s core net income for the year ended December 31, 2025, was $52.4 million (non-GAAP).
* Calculated excluding the discrete merger expenses and the initial loan loss provision for non-purchased credit deteriorated loans incurred as a result of the acquisition and
integration of Traditions Bancorp, Inc., net of the corresponding tax impact, in the amounts of $12.60 million and $1.58 million for the years ended December 31, 2025
and 2024, respectively, and excluding the strategic balance sheet repositionings, net of the corresponding tax impact, in the amounts of $2.77 million and $3.48 million for
the years ended December 31, 2025 and 2023, respectively. ACNB Corporation’s core net income was $52.42 million, $33.43 million and $35.17 million for the years ended
December 31, 2025, 2024 and 2023, respectively. These non-GAAP financial measures should not be considered a substitute for GAAP basis measures, and the Corporation
strongly encourages a review of its condensed consolidated financial statements in their entirety.
F I N A N C I A L H I G H L I G H T S
F I N A N C I A L OV E R V I E W
Total Assets In Millions of Dollars
$3,228.1
2023
2024
2025
2022
2021
$2,787.0
$2,418.8
$2,394.8
$2,525.5
Total Loans In Millions of Dollars
$2,330.5
2023
2024
2025
2022
2021
$1,468.4
$1,628.0
$1,682.9
$1,538.6
Net Income In Millions of Dollars
$37.1/$52.4†
2023
2024
2025
2022
2021
$27.8
31.7/$35.2** $31.8/$33.4*
$35.8
Total Deposits In Millions of Dollars
$2,450.2
2023
2024
2025
2022
2021
$2,426.4
$1,861.8
$1,792.5
$2,199.0
Total Stockholders’ Equity In Millions of Dollars
$420.0
2023
2024
2025
2022
2021
$272.1
$277.5
$303.3
$245.0
Book Value Per Share In Dollars
$40.63
2023
2024
2025
2022
2021
$31.35
$32.73
$35.61
$28.78
For The Year
2025
2024
2023
Net Interest Income
$123,090,000
$83,611,000
$88,320,000
Net Income
37,051,000
31,846,000
31,688,000
Core Net Income*
52,415,000
33,428,000
35,167,000
Cash Dividends Paid
14,382,000
10,713,000
9,702,000
Per Common Share
Basic Earnings
$ 3.61
$ 3.75
$ 3.72
Diluted Earnings
3.60
3.73
3.71
Cash Dividends Paid
1.38
1.26
1.14
Book Value (Year-End)
40.63
35.61
32.73
At Year-End
Total Assets
$3,228,126,000
$2,394,830,000
$2,418,847,000
Total Loans
2,330,514,000
1,682,910,000
1,627,988,000
Total Deposits
2,450,185,000
1,792,501,000
1,861,813,000
Total Stockholders’ Equity
419,974,000
303,273,000
277,461,000
Key Ratios
Return on Average Assets
1.16%
1.31%
1.32%
Core Return on Average Assets*
1.64%
1.37%
1.47%
Return on Average Equity
9.44%
10.94%
12.23%
Core Return on Average Equity*
13.36%
11.49%
13.57%
Dividend Payout
38.82%
33.64%
30.62%
Average Stockholders’ Equity to Average Assets
12.27%
11.95%
10.83%
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A C N B C O R P O R AT I O N
2 0 2 5 A N N U A L R E V I E W
CO N S O L I DAT E D S TAT E M E N T S O F CO N D I T I O N
CO N S O L I DAT E D S TAT E M E N T S O F I N CO M E
Dollars in thousands, except per share data
Dollars in thousands, except per share data
See the consolidated financial statements and accompanying notes presented in the Corporation’s Annual Report on Form 10-K.
Assets
2025
2024
Cash and due from banks
$ 20,611
$ 16,352
Interest-bearing deposits with banks
45,037
30,910
Total Cash and Cash Equivalents
65,648
47,262
Equity securities with readily determinable fair values
949
919
Investment securities available for sale, at estimated fair value
466,894
393,975
Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924)
63,288
64,578
Loans held for sale
28,170
426
Total loans, net of unearned income
2,330,514
1,682,910
Less: Allowance for credit losses
(23,672)
(17,280)
Loans, net
2,306,842
1,665,630
Premises and equipment, net
30,648
25,454
Right of use asset
4,155
2,663
Restricted investment in bank stocks
14,237
10,853
Investment in bank-owned life insurance
105,840
81,850
Investments in low-income housing partnerships
751
877
Goodwill
64,449
44,185
Intangible assets, net
22,435
7,838
Assets held for sale
275
—
Foreclosed assets held for resale
19
438
Other assets
53,526
47,882
Total Assets
$ 3,228,126
$ 2,394,830
Liabilities and Stockholders' Equity
Deposits:
Noninterest-bearing
$ 553,855
$ 451,503
Interest-bearing
1,896,330
1,340,998
Total Deposits
2,450,185
1,792,501
Short-term borrowings
64,740
15,826
Long-term borrowings
255,376
255,333
Lease Liability
4,451
2,764
Allowance for unfunded commitments
1,831
1,394
Other liabilities
31,569
23,739
Total Liabilities
2,808,152
2,091,557
Stockholders’ Equity:
Preferred stock ($2.50 par value; 20,000,000 shares authorized; no shares outstanding
at December 31, 2025 and 2024)
—
—
Common stock ($2.50 par value; 20,000,000 shares authorized; 11,028,152 and
8,945,293 shares issued; 10,372,251 and 8,553,785 shares outstanding at December 31, 2025
and 2024, respectively)
27,564
22,357
Treasury stock, at cost (655,901 and 391,508 shares at December 31, 2025
and 2024, respectively)
(22,367)
(11,203)
Additional paid-in capital
179,658
99,163
Retained earnings
257,293
234,624
Accumulated other comprehensive loss
(22,174)
(41,668)
Total Stockholders’ Equity
419,974
303,273
Total Liabilities and Stockholders’ Equity
$ 3,228,126
$ 2,394,830
DECEMBER 31
Interest and Dividend Income
2025
2024
Loans, including fees:
Taxable
$ 142,485
$ 90,547
Tax-exempt
1,276
1,232
Investment Securities:
Taxable
13,195
10,748
Tax-exempt
1,149
1,136
Dividends
1,299
970
Other
3,808
2,832
Total Interest and Dividend Income
163,212
107,465
Interest Expense
Deposits
26,699
11,194
Short-term borrowings
1,639
859
Long-term borrowings
11,784
11,801
Total Interest Expense
40,122
23,854
Net Interest Income
123,090
83,611
Provision for (reversal of) credit losses
5,262
(2,437)
Reversal of unfunded commitments
(532)
(326)
Net Interest Income After Provisions for (Reversal of) Credit Losses
and Unfunded Commitments
118,360
86,374
Noninterest Income
Insurance commissions
9,482
9,754
Gain from mortgage loans held for sale
5,266
301
Service charges on deposits
4,841
4,144
Wealth management
4,475
4,226
ATM debit card charges
3,563
3,303
Earnings on investment in bank-owned life insurance
2,593
1,979
Gain on life insurance proceeds
285
—
Net (losses) gains on sales or calls of investment securities
(3,535)
69
Net gains (losses) on equity securities
30
(9)
Other
1,609
963
Total NonInterest Income
28,609
24,730
Noninterest Expenses
Salaries and employee benefits
52,779
42,929
Equipment
9,477
7,321
Net occupancy
5,177
4,162
Professional services
2,660
2,140
Other tax
1,847
1,446
FDIC and regulatory
1,751
1,425
Intangible assets amortization
4,257
1,244
Merger-related
10,718
2,045
Other
11,849
7,973
Total Noninterest Expenses
100,515
70,685
Income Before Income Taxes
46,454
40,419
Income taxes
9,403
8,573
Net Income
$ 37,051
$ 31,846
YEARS ENDED DECEMBER 31
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A C N B C O R P O R AT I O N
2 0 2 5 A N N U A L R E V I E W
O F F I C E R S
James P. Helt
President & Chief Executive Officer
Mark E. Blacksten
Executive Vice President/
Maryland Market President
Brett D. Fulk
Executive Vice President/
Chief Strategy Officer
Laurie A. Laub
Executive Vice President/
Chief Credit Officer
Douglas A. Seibel
Executive Vice President/
Chief Lending Officer
Jason H. Weber
Executive Vice President/
Treasurer & Chief Financial Officer
Thomas J. Adkinson
Senior Vice President/
Operations Manager
Mark P. Bernier
Senior Vice President/
Wealth Management Officer
Emily E. Berwager
Senior Vice President/
Chief Human Resources Officer
Andrew A. Bradley
Senior Vice President/
Chief Risk Officer
John S. Eaton
Senior Vice President/
Agribusiness Lending Manager
Teresa L. Gregory
President
Traditions Mortgage,
A Division of ACNB Bank
Scott E. Hartlaub
Senior Vice President/
Technology Services Manager
Kevin J. Hayes
Senior Vice President/
General Counsel, Secretary,
& Chief Governance Officer
Andrew P. Heck
Senior Vice President/
Regional Commercial
Lending Manager
Christopher A. Helt
Senior Vice President/
Regional Commercial
Lending Manager
Michael E. Huson
Senior Vice President/
Market President—
York/Lancaster/Berks
Patrick A. Klinger
Senior Vice President/
Chief Accounting Officer/Controller
Nicholas C. Litrenta
Senior Vice President/
Regional Commercial
Lending Manager
Laura L. McCusker
Senior Vice President/
Community Banking Officer
Lisa A. Monthley
Senior Vice President/
Regional Sales Manager
Adnan Pasic
Senior Vice President/
Regional Commercial
Lending Manager
Gary W. Rappoldt
Senior Vice President/
Regional Commercial
Lending Manager
Jeffrey A. Schleicher
Senior Vice President/
Principal Treasury Officer
Merle J. Zehr
Senior Vice President/
Regional Commercial
Lending Manager
ACNB Bank
EXECUTIVE & SENIOR MANAGEMENT
Justin C. Anderson
Mark J. Aswall
Daniel K. Baer
Krista E. Blasser
Duane E. Bock
Tonya A. Boczek
Dawn M. Bornman
Sarah E. Brechbuehl
Kathleen L. Brown
Michael S. Burrier
Jamie K. Cash
Cara Lynn Clabaugh
Suzette L. Covalt
Joseph A. DeLizia
Carolyn M. Dull
Tiffany M. Faust
Stephanie N. Fitch
Melissa P. Fulmer
Christopher D. Grimm
Bonnie L. Gyenes
C. Edward Hesson Jr.
Grant J. Holub
John D. Husser
Michael P. Kelly
Frank E. Koser II
William B. Landin
Gregory S. Liegey
Nathan E. Lightner
Julie A. Marshall
Lauren E. McMullen
Leslie R. Metzger
Robin L. Murray
Gregory D. Patterson
Kristi N. Riley-Platt
Linda S. Roth
Christine R. Settle
Michael W. Sharp
Thomas M. Slover
Kristen R. Snow
Anthony A. Spangler
Albert W. van Olden
Kathleen P. Wagner
Stephen R. Wientge
Jonathan M. Williams
Charles A. Wurster
Christina D. Ziser
Danielle L. Barto
Brittney L. Beckwith
Matthew D. Bossalina
Angela J. Boswell
Amber R. Bowers
James W. Coombes
Elizabeth J. Dellinger
Ryan J. Dieter
Kacie N. Dillman
Ankhang N. Doan
Corey V. Dorsey
Andrea D. Foore
Katie L. Force
Nathan E. Fuhrman
Jacqueline A. Grasley
Holly A. Keffer
Douglas R. Lindsay
Jared A. Lockwood
Joey L. Martin
Zinnia Mayo
Lisa M. Miller
Stanley E. Miller
Barbara A. Morrison-Ritenour
Brian M. Neely
Zachary K. Pretty
Andrea J. Reed
Aaron J. Smith
Taylor D. Stetson
Ruby L. Sullivan
Gerald L. Waytashek
Gabriel S. Zepp
VICE PRESIDENTS
ASSISTANT VICE PRESIDENTS
Justin H. Peterman
Patrick O. Sease
Linda D. Senft
FIRST VICE PRESIDENTS
B OA R D S O F D I R E C TO R S
Alan J. Stock
Retired Owner & President
Eicholtz Company
Chair of the Board
ACNB Corporation and ACNB Bank
Todd L. Herring
Market Director
Pivot – Athletico Physical Therapy
First Vice Chair of the Board
ACNB Corporation and ACNB Bank
Eugene J. Draganosky
Retired CEO
Traditions Bancorp, Inc.
& Traditions Bank
Second Vice Chair of the Board
ACNB Corporation and ACNB Bank
Elizabeth F. Carson
Retired Senior Vice President
M&T Bank
Kimberly S. Chaney
Retired Owner
Kimberly S. Chaney, CPA LLC
Alexandra C. Chiaruttini
Chief Administrative Officer
& General Counsel
York Water Company
Frank Elsner, III
Owner & Managing Director
ODT Global, LLC
James P. Helt
President & CEO
ACNB Corporation and ACNB Bank
Scott L. Kelley, Esquire
Counsel
Barley Snyder LLP
James J. Lott
President
Bonnie Brae Fruit Farms, Inc.
Donna M. Newell
President & CEO
NTM Engineering, Inc.
John M. Polli
CEO
Reliance Student
Transportation, LLC
Daniel W. Potts
Retired Consultant
Deloitte Consulting
D. Arthur Seibel, Jr.
Retired Managing Director
Cristal Inorganic Chemicals
Switzerland, Ltd.
ACNB Corporation and ACNB Bank
O F F I C E R S
James P. Helt
President & Chief Executive Officer
Jason H. Weber
Executive Vice President/Treasurer
& Chief Financial Officer
Kevin J. Hayes
Senior Vice President/
General Counsel, Secretary,
& Chief Governance Officer
ACNB Corporation
Mark A. Westcott
President & Chief Executive Officer
Kevin J. Hayes
Vice President & Secretary
Jason H. Weber
Vice President & Treasurer
Lynn M. Bennett
Vice President/Accounting
Justin C. Hockley
Vice President/Operations
Sharon H. Shaffer
Vice President/Personal
Risk Management
Lori S. Sullivan
General Manager
Vice President/Commercial
Risk Management
ACNB Insurance Services, Inc.
James P. Helt
Chair of the Board
Frank Elsner, III
Vice Chair of the Board
Kimberly S. Chaney
Eugene J. Draganosky
Scott L. Kelley, Esquire
Daniel W. Potts
Alan J. Stock
ACNB Insurance Services, Inc.
Our performance & accomplishments
in 2025 are the result of a focus
on disciplined community banking
& living our vision of building
relationships & finding solutions
16
A C N B C O R P O R AT I O N
2026 Annual Meeting
The Annual Meeting of Shareholders for
ACNB Corporation will be held on Tuesday,
May 5, 2026 at 1:00 p.m. virtually via live
webcast at www.cstproxy.com/acnb/2026.
All proxy and other materials for the Annual
Meeting are available at investor.acnb.com.
Stock Listing
ACNB Corporation common stock is listed
and traded on The Nasdaq Stock Market LLC
under the symbol ACNB.
Annual Report on Form 10-K
A copy of ACNB Corporation’s Annual Report
on Form 10-K, as filed with the Securities and
Exchange Commission, may be obtained,
without charge, by contacting:
Investor Relations
ACNB Corporation
P.O. Box 3129
Gettysburg, PA 17325
717.339.5161
investor.relations@acnb.com
The Annual Report and other Corporation
reports are also filed electronically with
the Securities and Exchange Commission
and are accessible by the public at
sec.gov/edgar.
Transfer Agent, Registrar
and Dividend Disbursing Agent
Continental Stock Transfer & Trust Company
1 State Street/30th Floor
New York, NY 10004-1561
continentalstock.com
For shareholder inquiries or information
regarding the ACNB Corporation Dividend
Reinvestment and Stock Purchase Plan, call
Continental toll free at 1.800.509.5586.
S H A R E H O L D E R I N F O RM AT I O N
CO N TAC T I N F O RM AT I O N
ACNB Bank
acnb.com
Customer Contact Center
Toll Free 1.888.334.2262
24-Hour Telephone Banking Line
Toll Free 1.888.338.2262
ACNB Insurance Services, Inc.
acnbinsurance.com
Toll Free 1.800.289.4097
In addition to historical information, this press release may contain forward-looking statements. Examples of forward-looking statements include, but are not limited to, (a) projections or statements
regarding future earnings, expenses, net interest income, other income, earnings or loss per share, asset mix and quality, growth prospects, capital structure, and other financial terms, (b) statements
of plans and objectives of Management or the Board of Directors, and (c) statements of assumptions, such as economic conditions in the Corporation’s market areas. Such forward-looking statements
can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “intends”, “will”, “should”, “anticipates”, or the negative of any of the foregoing or other variations
thereon or comparable terminology, or by discussion of strategy. Forward-looking statements are subject to certain risks and uncertainties such as national, regional and local economic conditions,
competitive factors, and regulatory limitations. Actual results may differ materially from those projected in the forward-looking statements. Such risks, uncertainties, and other factors that could
cause actual results and experience to differ from those projected include, but are not limited to, the following: short-term and long-term effects of inflation and rising costs on the Corporation,
customers and economy; effects of governmental and fiscal policies, as well as legislative and regulatory changes; effects of new laws and regulations (including laws and regulations concerning
taxes, banking, securities and insurance) and their application with which the Corporation and its subsidiaries must comply; impacts of the capital and liquidity requirements of the Basel III standards;
effects of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Financial Accounting Standards Board and other accounting standard setters;
ineffectiveness of the business strategy due to changes in current or future market conditions; future actions or inactions of the United States government, including the effects of short-term and
long-term federal budget and tax negotiations and a failure to increase the government debt limit or a prolonged shutdown of the federal government; effects of economic conditions particularly
with regard to the negative impact of any pandemic, epidemic or health-related crisis and the responses thereto on the operations of the Corporation and current customers, specifically the effect of
the economy on loan customers’ ability to repay loans; effects of competition, and of changes in laws and regulations on competition, including industry consolidation and development of competing
financial products and services; inflation, securities market and monetary fluctuations; risks of changes in interest rates on the level and composition of deposits, loan demand, and the values of loan
collateral, securities, and interest rate protection agreements, as well as interest rate risks; difficulties in acquisitions and integrating and operating acquired business operations, including information
technology difficulties; challenges in establishing and maintaining operations in new markets; effects of technology changes; effects of general economic conditions and more specifically in the
Corporation’s market areas; failure of assumptions underlying the establishment of reserves for loan losses and estimations of values of collateral and various financial assets and liabilities; acts of war
or terrorism or geopolitical instability; disruption of credit and equity markets; ability to manage current levels of impaired assets; loss of certain key officers; ability to maintain the value and image of
the Corporation’s brand and protect the Corporation’s intellectual property rights; continued relationships with major customers; and, potential impacts to the Corporation from continually evolving
cybersecurity and other technological risks and attacks, including additional costs, reputational damage, regulatory penalties, and financial losses. We caution readers not to place undue reliance on
these forward-looking statements. They only reflect Management’s analysis as of this date. The Corporation does not revise or update these forward-looking statements to reflect events or changed
circumstances. Please carefully review the risk factors described in other documents the Corporation files from time to time with the SEC, including the Annual Reports on Form 10-K and Quarterly
Reports on Form 10-Q. Please also carefully review any Current Reports on Form 8-K filed by the Corporation with the SEC.
Forward-Looking Statements
ACNB Corporation, the financial holding company for ACNB Bank and
ACNB Insurance Services, Inc., strives to serve the financial and insurance
needs of consumers, businesses and other entities through the multiple
delivery channels of these subsidiaries. In all of its endeavors, the
Corporation seeks to maintain its strength and independence as a leader
in the markets served. Our management is dedicated to maximizing
long-term investment value to its shareholders by means of:
Providing and marketing quality financial products and services
designed to focus on the customer’s objectives;
Ensuring a productive, encouraging and growth-oriented work
environment for staff members;
Adopting and leveraging new technologies for the benefit of customer
service, operational efficiencies, and/or competitive position;
Managing human and capital resources for the dual purpose of
effectively serving and satisfying customers’ needs and enhancing
the organization’s profitability; and,
Contributing to the economic vitality and overall well-being of
the communities served by actively participating as a responsible
and caring corporate citizen.
Fundamental to ACNB Corporation’s performance is the commitment to
integrity and compliance in business conduct, as well as the recognition
that our business is one built upon relationships and trust.
OUR MISSION
OUR VISION
To be the independent financial services provider
of choice in the communities served by building
relationships and finding solutions.
A C N B .CO M