ACNB CORPORATION ANNOUNCES FOURTH QUARTER CASH DIVIDEND (Form 8-K)

ACNB CORPORATION ANNOUNCES

FOURTH QUARTER CASH DIVIDEND

GETTYSBURG, PA, October 22, 2025 --- ACNB Corporation (NASDAQ: ACNB), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced today that the 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.

Speaking on behalf of the Corporation, James P. Helt, President & Chief Executive Officer, stated, "The Board of Director's action in increasing our quarterly dividend is a sign of our confidence in ACNB Corporation, enabled by our strong financial performance. ACNB 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 the current $0.38 in that time, an increase of 90.0%. This regular and ongoing growth in the quarterly dividend is a result of our commitment to disciplined capital management and delivering sustainable returns for our shareholders. Providing a competitive return on the investment of the

Corporation's shareholders is paramount and clearly evidenced by our history of quarterly dividend payments over many decades."

ACNB Corporation, headquartered in Gettysburg, PA, is the independent $3.26 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 one Limited Purpose Office located in the Pennsylvania counties of Adams, 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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