ACNB News & Events

Net interest income for the three months ended December 31, 2025 totaled $32.9M, an increase of $714L from the three months ended September 30, 2025. The FTE net interest margin for the three months ended December 31, 2025 was 4.36%, a 9 basis points increase from the three months ended September 30, 2025. Tangible book value per share was $32.22, $30.87 and $29.51 at December 31, 2025, September 30, 2025 and December 31, 2024, respectively. CET1 ratio was 14.74%. "We are excited and pleased to share our 2025 financial results with our shareholders. This was a transformational year for ACNB Corporation with the successful acquisition and integration of our largest transaction to date in Traditions Bancorp, Inc. Thanks to the dedication of our entire team, we achieved our financial metrics that we originally presented at the time of the acquisition." said James Helt, CEO. "Our continued focus on community banking principles centered on customer relationships has produced a record year of earnings for the Corporation. The Corporation's credit metrics and capital positions remain strong. In addition, the Corporation recognized a 21% increase in its common stock share price during the calendar year and increased its quarterly dividend by $0.06 per share or 19% from the fourth quarter of 2024 to the fourth quarter of 2025. The Corporation has increased the amount of cash dividends it has paid out per share each year since 2017, going from a quarterly cash dividend of $0.20 to $0.38 in that time, an increase of 90%. As we now turn our focus to 2026, we remain committed to our vision to be the financial services provider of choice in the communities we serve by building relationships and finding solutions for our customers. We believe that our diversified revenue stream with ACNB Insurance Services, ACNB Wealth Management and Traditions Mortgage provides a strong foundation for future growth, profitability and long-term shareholder value. We would like to express our gratitude for the continued support of our board of directors, shareholders, customers and employees."

Tangible common equity to tangible assets ratio of 10.14% at September 30, 2025 compared to 9.65% at June 30, 2025 and 10.74% at September 30, 2024. The net unrealized loss on the available for sale securities portfolio was $31.0 million at September 30, 2025 compared to a net unrealized loss of $36.2 million at June 30, 2025 and a net unrealized loss of $36.8 million at September 30, 2024. "We are excited to report strong profitability and record quarterly net income for the third quarter of 2025. These strong results are a reflection of our continued commitment to our community banking business model and the successful acquisition and integration of Traditions Bank earlier in the year. The Acquisition is meeting our expectations operationally, financially and culturally." said James P. Helt, ACNB Corporation President and Chief Executive Officer.

ACNB Corporation's Board of Directors approved and declared a regular quarterly cash dividend of $0.38 per share of ACNB Corporation common stock payable on December 15, 2025, to shareholders of record as of December 1, 2025. This per share amount reflects a 11.8% increase, or $0.04, over the prior quarter's cash dividend of $0.34 per share of common stock, and an 18.8% increase, or $0.06, over the $0.32 cash dividend on the fourth quarter of 2024.