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Form 8-K - Current report - Item 5.02 Item 9.01

ACNB Corp.

Announcement: ACNB 8-K Special Filing

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Form 10-K - Annual report [Section 13 and 15(d), not S-K Item 405]

ACNB Corp. reports record earnings, driven by strong net interest income growth
Current Analysis:
ACNB Corp. reported record earnings, driven by growth in net interest income. Net interest margin increased to 3.33% compared to 2.82% in 2021. Net interest income was $83,425,000 in 2022 compared to $71,244,000 in 2021.

Forward-Looking Analysis:
ACNB Corp.'s overall strategy is to increase loan growth in its local markets, while maintaining a reasonable funding base. Revenues are influenced by market interest rates, economic conditions and competitive forces. While economic conditions continue to improve and market interest rates slowly rise, ACNB Corp.'s growth in loan portfolio and increased focus on non-interest income provides promising opportunities. However, the ongoing COVID-19 pandemic and continued uncertainty in business and economic conditions pose potential risks.

Announcement: ACNB 10-K Annual Report

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Form SC 13G/A - Statement of acquisition of beneficial ownership by individuals: [Amend]

Announcement: ACNB SC 13G/A Statement of acquisition of beneficial ownership by individuals - amendment

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Form 8-K - Current report - Item 8.01 Item 9.01

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Form 8-K - Current report - Item 2.02 Item 9.01

Analyst Summary:

ACNB Corporation (NASDAQ: ACNB) reported strong financial results for the year ended December 31, 2022, reflecting a net income of $27.8 million, or $1.96 per diluted share. The reported results include the impact of a number of key events, including the acquisition of Donnell Insurance Agency, seven interest rate hikes by the Federal Reserve, and the opening of the new Upper Adams Office in Biglerville, PA. ACNB Bank closed and transferred operations for three additional community banking offices as part of their branch optimization strategy. Additionally, ACNB Bank rebranded its Maryland banking divisions, NWSB Bank and FCB Bank, with the ACNB Bank name and brand identity effective from January 1, 2023. The net interest margin for the year ended December 31, 2022 was 3.47% compared to 2.96% in the prior year, reflecting higher interest rates, growth in higher-yielding earnings assets, and lower funding costs. The loan-to-deposit ratio was 69.09% at December 31, 2022, compared to 60.43% at December 31, 2021. Loans grew by 6.19% from December 31, 2021 to December 31, 2022, while deposits decreased by 9.88% over the same period. Management has expressed optimism about continuing progress in 2023. However, investors should be mindful of the impact of any subsequent events that may affect the financial performance of the Company.