Bradley Andrew A 4

What Happened Bradley Andrew, SVP & Chief Risk Officer at ACNB Bank, was granted a Variable Equity Award of 1,671.779 shares on March 13, 2026 (reported as an "A" award). The award was valued at $46.42 per share (total ~$77,604). To satisfy tax withholding on the vested portion, 192.199 shares were withheld by ACNB (reported as "F" — disposition by withholding) valued at ~$8,922. Net to the executive after withholding: 1,479.580 shares (net value ~ $68,682). The filing clarifies the withheld shares were not sold on the open market.

Key Details

• Transaction date: 2026-03-13; price per share reported: $46.42.
• Award: 1,671.779 shares granted (total ~$77,604).
• Withholding: 192.199 shares withheld for taxes (total ~$8,922); executive did not sell shares.
• Net shares received after withholding: 1,479.580 shares (approx. $68,682).
• Vesting: One‑third (1/3) of the award was 100% vested on the grant date (3/13/2026); remaining thirds vest 1/1/2027 and 1/1/2028 (per filing).
• Footnotes: F1 notes SEC timing rules used to determine execution date; F2 describes the three‑part vesting schedule; F3 confirms withholding was used to pay taxes, not an open‑market sale.
• Shares owned after transaction: not specified in the provided filing data.
• Filing timeliness: no late‑filing indication provided in the supplied information.

Context This was a compensation grant (not an open‑market purchase or sale). Tax withholding by the company is a routine administrative step and does not necessarily indicate insider sentiment about the stock. The award is part of ACNB Bank’s Variable Compensation Plan and the ACNB Corporation 2018 Omnibus Stock Incentive Plan.