Author: Ravi Shankar

CARLSBAD, Calif., Oct. 22, 2026 (GLOBE NEWSWIRE) — For too long, AppTech lacked a clear strategic direction. The Company pursued opportunities that did not deliver the results shareholders expected, leaving uncertainty about what AppTech was building and where it was headed. In many cases, we focused on short-term opportunities through acquired technology without first establishing a long-term vision.

That is no longer the case.

Today, AppTech is pursuing a clear and focused strategy built around a single objective: to become a leading payments infrastructure technology company.

We Are A Payments Infrastructure Technology Company
The acquisition of Infinitus Pay (“IP”) in October 2025 fundamentally transformed our business. It provided the technical framework and industry expertise required to build a scalable payments platform. Today, we serve more than forty fintechs and businesses representing thousands of underlying customers and process billions of dollars in annualized payment volume.

Our platform provides businesses with reliable access to U.S. dollar accounts and payment rails, including wire transfers, SWIFT, ACH, and other modern payment options, all within a compliance-focused framework.

The acquisition also gave AppTech something it has historically lacked: a scalable payments business with recurring revenue, meaningful transaction volume, and a clearer path to long-term growth.

Where We Are Investing
Currently, most of our services rely on third-party providers, limiting our control over the customer experience. The Company previously intended to address these limitations through additional acquisitions, but I believe that AppTech needs a different approach: building and owning more of the capabilities that are critical to our long-term success.

Since becoming Interim CEO, I have directed our investments toward three areas: technology, compliance and talent.

Technology
To reduce costs, improve scalability, and position AppTech for growth, we are consolidating our offerings onto a single platform that will power all our products. This new platform will provide clients with a single point of connection, concentrate our engineering efforts on one unified codebase, and apply compliance controls consistently across every product. It will also serve as the foundation for future products and incorporate AI-enabled capabilities that improve both customer and internal operations.

Development began in mid-July, and we are on track to launch before year-end. Once complete, we expect the new platform to accelerate customer onboarding, improve operational efficiencies, simplify the integration of additional banking partners, enhance the customer experience, and support stronger long-term margins.

Compliance
Compliance sits at the center of everything we do. It protects our banking partners, our customers, and our reputation. Our new platform strengthens this core tenant by incorporating transaction monitoring, sanctions screening, fraud detection, and financial-crime risk management capabilities. Embedding these controls directly into the platform, allows us to better support our banking partners, grow responsibly, reduce risk, and provide customers with dependable access to the U.S. financial system.

Talent (Our most important investment)
Technology and compliance are only as strong as the people behind them. Over the past several months, we have strengthened our organization through a combination of leadership changes and strategic hires. Two additions are particularly noteworthy:

• Nick Saponaro, Interim Chief Technology Officer, is leading the platform initiative alongside a revamped engineering team. He brings more than a decade of experience building compliance-focused digital-asset infrastructure, including leadership roles at a licensed global exchange.
• Our Compliance Team has been strengthened through the engagement of an experienced compliance consultant and the addition of a dedicated AML analyst. Together, they bring valuable experience from the banking side of the partnerships we rely on. Their immediate focus is strengthening our compliance program, improving onboarding practices, and building greater confidence with our banking partners.

Executing On Our Vision
Strong customer demand and an experienced sales team have created both a significant onboarding pipeline and transaction volumes that are comparable to much larger institutions. Our priority now is execution: completing our new platform, migrating customers, expanding banking partnerships, and introducing complementary products. These initiatives are designed to convert demand into revenue by further monetizing the volume currently transacting on our platform.

Over the next year, we will focus on four growth initiatives.

• Credit Card Issuance
  To accelerate our time to market, we have added an experienced banking executive to help secure the necessary partnerships and navigate licensing and regulatory requirements. Subject to execution and regulatory approvals, we expect our card program to begin generating revenue in late 2027.
• Digital Asset Conversions
  We intend to provide qualified customers with a compliant and efficient way to convert between digital assets and U.S. dollars. This capability builds upon payment activity already connected to our platform and represents an opportunity to generate additional revenue while expanding the services available to our customers.
• Bank Yield Program
  We are onboarding accounts that may generate lower transactional volumes but will maintain larger average daily deposit balances. These balances create an additional recurring revenue stream through our participation in the yield generated on customer deposits, allowing us to benefit from both payment activity and deposit growth.
• Compliance-as-a-Service
  Many businesses require sophisticated financial-crime controls to maintain their banking relationships but lack the internal resources to build and manage those capabilities themselves. Because these controls are already being integrated into our platform, we are well positioned to offer them as a recurring service. This initiative has the potential to generate additional revenue while strengthening relationships with both customers and banking partners.

These initiatives are driven by existing customer demand and align with capabilities we are already building. Together, they intend to increase revenue per customer, deepen customer relationships, and enhance the value of our new platform for both customers and banking partners.

A Candid Reset, Focused On Execution
When I became interim CEO, I inherited several challenges that required immediate attention. In response, we assembled a team, established clear priorities, and set a course to address these challenges. Our efforts have been focused on resolving the banking partner matter disclosed in our prior filings, building critical infrastructure, winding down Finzeo, our legacy platform, and correcting deficiencies in our merchant processing business. As a result of these actions, we expect growth to slow or decrease during the second half of the year. While that outcome is not ideal, we believe these efforts are necessary to reduce operational risk and position AppTech for stronger, more sustainable growth.

That same discipline will guide how we onboard new customers. We evaluate opportunities based on both customer needs and long-term economics for AppTech. Some customers will onboard immediately, while others may be better served on our new platform, where we expect to provide a superior experience and capture greater value. These decisions may affect near-term growth, but we believe they will create greater long-term shareholder value.

This reset will require dedicated commitment and follow-through. We have a growing customer base, meaningful payment volume, and a team focused on completing the platform and growing revenue. Our focus now is on turning that progress into stronger financial results.

I look forward to keeping shareholders informed of our progress and appreciate your continued support.

Felipe A. Corrado IV
Interim Chief Executive Officer and Chief Financial Officer
AppTech Payments Corp.

About AppTech Payments Corp.
AppTech Payments Corp. (OTCQB: APCX) provides digital financial services for financial institutions, corporations, small and midsized enterprises (“SMEs”), and consumers through its scalable cloud-based platform architecture and infrastructure. The Company’s growing suite of payment, banking, and software solutions enables businesses to modernize payment acceptance, money movement, and financial operations. For more information, please visit www.apptechcorp.com.

Forward-Looking Statements
This press release contains “forward-looking statements” as the phrase is defined in Section 27A of the U.S. Securities Act of 1933, as amended, and Section 21E of the U.S. Securities Exchange Act of 1934, as amended. These forward-looking statements generally are identified by the words “anticipate,” “believe,” “estimate,” “expect,” “forecast,” “future,” “intend,” “may,” “opportunity,” “plan,” “project,” “should,” “strategy,” “will,” “will be,” “will continue,” “will likely result,” “would” and similar expressions (including the negative versions of such words or expressions). All statements contained in this press release that do not relate to matters of historical fact should be considered forward-looking statements. These statements include, but are not limited to, statements regarding the Company’s expected growth, future financial performance, SaaS platform development and deployment, customer onboarding, transaction volumes, banking relationships, recurring revenue opportunities, profitability, and strategic initiatives. These forward-looking statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Readers are encouraged to review the risk factors described in the Company’s filings with the Securities and Exchange Commission. The forward-looking statements contained in this press release speak only as of the date of this release, and the Company undertakes no obligation to update any forward-looking statements except as required by applicable law.

AppTech Payments Corp.
info@apptechcorp.com
760-707-5959

On 22 October 2026 AS Tallink Grupp held an investor webinar where Peep Jalakas, the Chairman of the Management Board introduced the results of the third quarter 2026. AS Tallink Grupp would like to thank all the participants.

The webinar presentation is enclosed and the webinar recording is available in the Company’s website under Reports & Financial key figures.

Anneli Simm
Investor Relations Manager

AS Tallink Grupp
Sadama 5
10111 Tallinn, Estonia
email: anneli.simm@tallink.ee
Phone: +372 56157170

Attachment

• AS Tallink Grupp Q3 2026 Webinar Presentation

NEW YORK — Wix.com Ltd. (Nasdaq: WIX), today announced that it will report its results for the third quarter ended September 30, 2026 before the market opens on November 10, 2026. Management will host a conference call that morning at 8:30 a.m. ET to answer questions about the Company’s financial results. Prior to the conference call, Wix will issue a press release reporting these results along with a shareholder update and additional materials at https://investors.wix.com/.

What:	Wix Third Quarter 2026 Results Conference Call
When:	Tuesday, November 10, 2026
Time:	8:30 a.m. ET
Webcast	Register here
Replay &	Replay is available for 12 months
Materials:	https://investors.wix.com/

About Wix.com Ltd.
Wix’s vision is to simplify complex technologies and deliver the best tools for every type of user and business to create online. Powered by advanced AI and enterprise-grade infrastructure, Wix is trusted by millions of users worldwide. Founded in 2006 and strengthened by the acquisition in 2025 of Base44, the no-code application platform, Wix is continuing to build for the future of the internet.

For more about Wix, please visit our Press Room
Investor Relations: ir@wix.com 
Media Relations: pr@wix.com

On 22 October 2026 AS Tallink Grupp held an investor webinar where Peep Jalakas, the Chairman of the Management Board introduced the results of the third quarter 2026. AS Tallink Grupp would like to thank all the participants.

The webinar presentation is enclosed and the webinar recording is available in the Company’s website under Reports & Financial key figures.

Anneli Simm
Investor Relations Manager

AS Tallink Grupp
Sadama 5
10111 Tallinn, Estonia
email: anneli.simm@tallink.ee
Phone: +372 56157170

Attachment

• AS Tallink Grupp Q3 2026 Webinar Presentation

GETTYSBURG, Pa., Oct. 22, 2026 (GLOBE NEWSWIRE) — ACNB Corporation (NASDAQ: ACNB) (“ACNB” or the “Corporation”), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced net income of $15.7 million, or $1.55 diluted earnings per share, for the three months ended September 30, 2026 compared to net income of $15.2 million, or $1.49 diluted earnings per share, for the three months ended June 30, 2026 and compared to net income of $14.9 million, or $1.42 diluted earnings per share, for the three months ended September 30, 2025. ACNB completed the acquisition of Traditions Bancorp, Inc. on February 1, 2025 (“Acquisition”).

2026 Third Quarter Highlights

• Return on average assets was 1.87% and return on average equity was 14.67% for the three months ended September 30, 2026
• Fully taxable equivalent (“FTE”) net interest margin was 4.56% for both the three months ended September 30, 2026 and the three months ended June 30, 2026, and 4.27% for the three months ended September 30, 2025
• Total noninterest-bearing deposits were $612.6 million at September 30, 2026, an increase of 2.0% from June 30, 2026; equating to an annualized growth rate of 8.17%
• Tangible common equity to tangible assets ratio¹ of 10.47% at September 30, 2026 and June 30, 2026 compared to 10.14% at September 30, 2025
• ACNB repurchased 11,288 shares of ACNB common stock in open market transactions during the three months ended September 30, 2026 at a weighted average price of $65.01 per share. There are 242,404 shares remaining in the current open market repurchase plan
• ACNB paid a regular quarterly cash dividend of $0.42 during the three months ended September 30, 2026 and the three months ended June 30, 2026, an increase of $0.08, or 23.5%, over the $0.34 regular cash dividend paid during the three months ended September 30, 2025

_{¹ Non-GAAP financial measure. Please refer to the calculation on the page titled “Non-GAAP Reconciliation” at the end of this document.}

“We are pleased to report the strongest quarterly earnings performance in our Company’s 169-year history, reflecting the enduring strength of our community banking franchise, disciplined execution, and unwavering focus on serving our customers and communities,” said James P. Helt, ACNB Corporation President and Chief Executive Officer.

“During the quarter, we achieved modest loan growth, saw solid core funding growth that allowed us to pay off some brokered deposits, and continued to demonstrate resilient asset quality performance. While we experienced an isolated credit issue during the quarter, our overall credit metrics remain sound and consistent with our long-standing conservative risk management culture. These results highlight the dedication of our employees, the trust of our customers, and the strength of a relationship-based banking model that continues to create value for our shareholders.”

Mr. Helt continued, “As we look ahead, we remain well positioned to capitalize on growth opportunities while maintaining the financial strength and discipline that have defined our Company for nearly 170 years.”

Net Interest Income and Margin

Net interest income for the three months ended September 30, 2026 totaled $34.8 million, an increase of $773 thousand from the three months ended June 30, 2026 and an increase of $2.6 million from the three months ended September 30, 2025. The increases were driven primarily by loan growth and loan and investment securities funded during the quarter at higher rates than those that paid off or matured. In addition, the yield on investment securities during the quarter compared to the same quarter in the prior year was impacted by a repositioning of the investment securities portfolio completed during the three months ended December 31, 2025. The accretion impact of acquisition accounting adjustments on loans and deposits from the Acquisition was $1.6 million, $1.8 million and $2.1 million for the three months ended September 30, 2026, the three months ended June 30, 2026 and the three months ended September 30, 2025, respectively.

	Three Months Ended												September 2026 vs. June 2026						September 2026 vs. September 2025
	September 30, 2026				June 30, 2026				September 30, 2025				Variance						Variance
(Dollars in thousands)	Average Balance		Yield/Rate		Average Balance		Yield/Rate		Average Balance		Yield/Rate		Average Balance			Yield/Rate			Average Balance		Yield/Rate
ASSETS
Total Loans1	$	2,417,290	6.44	%	$	2,401,287	6.40	%	$	2,356,641	6.29	%	$	16,003		0.04	%		$	60,649	0.15	%
Total Investments2		544,488	3.73			546,267	3.68			538,474	3.03			(1,779	)	0.05				6,014	0.70
Total Earning Assets		3,043,502	5.88			3,003,725	5.86			2,998,405	5.64			39,777		0.02				45,097	0.24
Total Assets		3,331,647				3,289,674				3,278,215				41,973						53,432
LIABILITIES
Total Interest-Bearing Deposits	$	1,918,307	1.38	%	$	1,951,477	1.36	%	$	1,916,928	1.42	%	$	(33,170	)	0.02	%		$	1,379	(0.04	)%
Noninterest-bearing demand deposits		615,423				583,453				593,800				31,970						21,623
Total Borrowings		330,789	4.22			288,304	4.27			325,747	4.24			42,485		(0.05	)			5,042	(0.02	)
Total Interest-Bearing Liabilities		2,249,096	1.80			2,239,781	1.73			2,242,675	1.83			9,315		0.07				6,421	(0.03	)
Total Liabilities and Stockholders’ Equity		3,331,647				3,289,674				3,278,215				41,973						53,432
FTE Net Interest Margin			4.56	%			4.56	%			4.27	%				—	%				0.29	%
1 Average balances include non-accrual loans and are net of unearned income. 2 Average balances of investment securities is computed at fair value.

Three months ended September 30, 2026 compared to three months ended June 30, 2026

The FTE net interest margin was consistent with the three months ended June 30, 2026.

• Average loan balances increased $16.0 million, driven primarily by growth in the real estate construction portfolio
• The yields on average loans and average investment securities increased 4 and 5 basis points, respectively, driven primarily by loans and investment securities funded during the quarter at higher rates than those that paid off or matured
• Average noninterest-bearing deposits increased $32.0 million driven primarily by promotional incentives on commercial checking accounts and seasonal influxes of municipal deposits

Three months ended September 30, 2026 compared to three months ended September 30, 2025

The FTE net interest margin increased 29 basis points from the three months ended September 30, 2025 driven primarily by loan growth, loans and investment securities funded during the quarter at higher rates than those that paid off or matured and the continued benefit of lower funding costs. In addition, the repositioning of the investment securities portfolio completed during the three months ended December 31, 2025 contributed to higher yields.

• Average loan balances increased $60.6 million driven primarily by growth in the commercial real estate portfolio
• The yields on average loans and average investment securities increased 15 and 70 basis points, respectively, driven primarily by loans and investment securities funded during the quarter at higher rates than those that paid off or matured and the repositioning of the investment securities portfolio completed during the three months ended December 31, 2025
• Average noninterest-bearing deposits increased $21.6 million driven primarily by promotional incentives on commercial checking accounts

Noninterest Income

	Three Months Ended								September 2026 vs. June 2026 Variance						September 2026 vs. September 2025 Variance
	September 30,			June 30,			September 30,
(In thousands)		2026			2026		2025		$			%			$			%
Insurance commissions	$	2,667		$	2,991		$	2,545	$	(324	)	(10.8	)%		$	122		4.8	%
Gain from mortgage loans held for sale		1,000			1,463			1,463		(463	)	(31.6	)			(463	)	(31.6	)
Service charges on deposits		1,304			1,243			1,286		61		4.9				18		1.4
Wealth management		1,253			1,191			1,125		62		5.2				128		11.4
ATM debit card charges		932			933			904		(1	)	(0.1	)			28		3.1
Earnings on investment in bank-owned life insurance		776			756			651		20		2.6				125		19.2
Gain on life insurance proceeds		687			—			—		687		100.0				687		100.0
Other		448			245			428		203		82.9				20		4.7
Net (losses) gains on equity securities		(35	)		(4	)		9		(31	)	N/M				(44	)	N/M
Total Noninterest Income	$	9,032		$	8,818		$	8,411	$	214		2.4	%		$	621		7.4	%

Explanations for the more significant fluctuations by period and category are detailed below:

Three months ended September 30, 2026 compared to three months ended June 30, 2026

• The decrease in insurance commissions was driven primarily by contingent commission income received during the three months ended June 30, 2026 related to 2025 performance, partially offset by higher policy renewals during the three months ended September 30, 2026
• The decrease in gain from mortgage loans held for sale was driven primarily by a decrease in mortgage loan originations compared to the prior quarter as a result of seasonality and rate volatility
• The increase in gain on life insurance proceeds was the result of a death benefit received in the current quarter
• The increase in other was driven primarily by an annual check ordering volume incentive during the current quarter

Three months ended September 30, 2026 compared to three months ended September 30, 2025

• The decrease in gain from mortgage loans held for sale was driven primarily by a decrease in loan originations primarily as a result of rate volatility
• The increase in wealth management was driven primarily by assets under management growth due to new business generation and positive market impacts
• The increase in earnings on investment in bank-owned life insurance was driven primarily by the purchase of new policies in the fourth quarter of 2025
• The increase in gain on life insurance proceeds was the result of a death benefit received in the current quarter

Noninterest Expense

	Three Months Ended						September 2026 vs. June 2026 Variance						September 2026 vs. September 2025 Variance
	September 30,		June 30,		September 30,
(In thousands)	2026		2026		2025		$			%			$			%
Salaries and employee benefits	$	14,055	$	13,761	$	13,191	$	294		2.1	%		$	864		6.5	%
Equipment		2,313		2,552		2,302		(239	)	(9.4	)			11		0.5
Net occupancy		1,208		1,209		1,217		(1	)	(0.1	)			(9	)	(0.7	)
Intangible assets amortization		1,017		1,028		1,129		(11	)	(1.1	)			(112	)	(9.9	)
Professional services		801		736		588		65		8.8				213		36.2
Other tax		661		317		561		344		108.5				100		17.8
FDIC and regulatory		440		459		457		(19	)	(4.1	)			(17	)	(3.7	)
Merger-related		—		—		169		—		—				(169	)	(100.0	)
Other		2,725		3,063		2,747		(338	)	(11.0	)			(22	)	(0.8	)
Total Noninterest Expense	$	23,220	$	23,125	$	22,361	$	95		0.4	%		$	859		3.8	%

Explanations for the more significant fluctuations by period and category are detailed below:

Three months ended September 30, 2026 compared to three months ended June 30, 2026

• The increase in salaries and employee benefits was driven primarily by higher employee insurance expense, higher incentive compensation and higher insurance producer commissions
• The decrease in equipment was driven primarily by timing of purchases of computer hardware and software
• The increase in other tax was driven primarily by earned income tax credits received in the prior quarter as a result of community investment contributions
• The decrease in other was driven primarily by the community investment contributions incurred in the prior quarter

Three months ended September 30, 2026 compared to three months ended September 30, 2025

• The increase in salaries and employee benefits was driven primarily by higher incentive compensation expenses, merit increases and higher employee insurance expense
• The increase in professional services was driven primarily by higher legal and advisory services related to corporate initiative expenses, including software modernization and employee stock purchase plan fees
• The increase in other tax was driven primarily by asset and capital growth
• The decrease in merger-related was driven by the lack of Acquisition related expenses in the current period

Loans and Asset Quality

										Variance
										September 2026			September 2026
	September 30,			June 30,			September 30,			vs.			vs.
(In thousands)	2026			2026			2025			June 2026			September 2025
Commercial real estate	$	1,324,489		$	1,333,050		$	1,263,896		$	(8,561	)	$	60,593
Residential mortgage		605,815			602,738			593,283			3,077			12,532
Commercial and industrial		217,195			217,151			218,364			44			(1,169	)
Home equity lines of credit		122,840			122,164			125,839			676			(2,999	)
Real estate construction		128,349			115,091			126,451			13,258			1,898
Consumer		10,252			10,105			10,144			147			108
Gross loans		2,408,940			2,400,299			2,337,977			8,641			70,963
Unearned income		(2,429	)		(2,195	)		(1,372	)		(234	)		(1,057	)
Total loans, net of unearned income	$	2,406,511		$	2,398,104		$	2,336,605		$	8,407		$	69,906
Allowance for credit losses	$	24,976		$	24,006		$	23,660		$	970		$	1,316

September 30, 2026 compared to June 30, 2026

• The $8.4 million increase in total loans from June 30, 2026 was driven primarily by:
  • Real estate construction portfolio growth of $13.3 million across both commercial and residential portfolios
  • Residential mortgage portfolio growth of $3.1 million, partially offset by;  
  • Commercial real estate portfolio decline of $8.6 million, driven primarily by a decline in non-owner occupied balances ($13.4 million) and farmland ($1.5 million) partially offset by growth in owner-occupied balances ($3.6 million) and multifamily ($1.8 million)

• The allowance for credit losses was $25.0 million, an increase of $970 thousand. The increase was driven primarily by a specific allowance allocation on a relationship in the commercial and industrial portfolio and, to a lesser extent, loan growth; the bank does not believe the increase is indicative of a general weakness in the overall loan portfolio but rather the increase is driven primarily by an isolated credit issue specific to an individual borrower
• Total non-performing loans to total loans, net of unearned income were 0.45% compared to 0.41% driven primarily by the migration of four loans to three unrelated borrowers totaling $1.4 million to nonaccrual partially offset by paydowns of $657 thousand

September 30, 2026 compared to September 30, 2025

• The increase in total loans of $69.9 million was driven primarily by commercial real estate growth of $60.6 million concentrated in farmland ($45.2 million), multi-family ($22.3 million), owner-occupied balances ($23.3 million) and 1-4 family ($9.2 million), partially offset by a decline in non-owner occupied balances ($34.0 million)
• The allowance for credit losses increased by $1.3 million. The increase was driven primarily by a specific reserve allocated to a relationship in the commercial and industrial portfolio and, to a lesser extent, loan growth
• Total non-performing loans to total loans, net of unearned income was 0.45% compared to 0.43%

Deposits

								Variance
(In thousands)		September 30, 2026		June 30, 2026		September 30, 2025		September 2026 vs. June 2026				September 2026 vs. September 2025
Noninterest-bearing demand deposits	$	612,620	$	600,711	$	581,697	$	11,909			$	30,923
Interest-bearing demand deposits		630,912		636,551		614,130		(5,639	)			16,782
Money market		480,430		481,015		493,430		(585	)			(13,000	)
Savings		329,269		336,504		330,200		(7,235	)			(931	)
Total demand and savings		2,053,231		2,054,781		2,019,457		(1,550	)			33,774
Time		455,732		480,895		446,439		(25,163	)			9,293
Total deposits	$	2,508,963	$	2,535,676	$	2,465,896	$	(26,713	)		$	43,067

September 30, 2026 compared to June 30, 2026

• The increase in noninterest-bearing demand deposits was driven primarily by promotional incentives on commercial checking accounts and a seasonal influx of municipal deposits
• The decrease in time deposits was driven primarily by the pay down of $30.0 million of brokered deposits and partially offset by growth in retail time deposits

September 30, 2026 compared to September 30, 2025

• The increase in noninterest-bearing demand deposits was driven primarily by promotional incentives on commercial checking accounts
• The increase in interest-bearing demand deposits was driven primarily by growth in commercial and retail balances and accounts due to new customer relationships acquired
• The decrease in money market balances was driven primarily by attrition of higher cost money market deposits from the Acquisition

Borrowings

Total borrowings were $331.4 million at September 30, 2026, an increase of $8.3 million and a decrease of $4.4 million compared to June 30, 2026 and September 30, 2025, respectively. The increase compared to June 30, 2026 was due to seasonal increases in repurchase agreement balances and greater balances on accounts collateralizing derivative contracts given the recent rise in market rates. The decrease compared to September 30, 2025 was a result of lower securities sold under repurchase agreements partially offset by higher balances on accounts collateralizing derivative contracts.

Stockholders’ Equity

Total stockholders’ equity was $420.5 million at September 30, 2026 compared to $423.3 million at June 30, 2026 and $408.6 million at September 30, 2025. The decrease at September 30, 2026 compared to June 30, 2026 was driven primarily by a $15.4 million unrealized loss on investment securities, dividends paid of $4.3 million, partially offset by net income of $15.7 million. The increase at September 30, 2026 compared to September 30, 2025 was driven primarily by growth in retained earnings partially offset by changes in unrealized losses in available for sale investment securities. Tangible book value¹ per share was $33.26, $33.42 and $30.87 at September 30, 2026, June 30, 2026 and September 30, 2025, respectively.

_{¹ Non-GAAP financial measure. Please refer to the calculation on the page titled “Non-GAAP Reconciliation” at the end of this document.}

About ACNB Corporation

ACNB Corporation, headquartered in Gettysburg, PA, is the independent $3.30 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 loan 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.

SAFE HARBOR AND FORWARD-LOOKING STATEMENTS – Should there be a material subsequent event prior to the filing of the Quarterly Report on Form 10-Q with the Securities and Exchange Commission, the financial information reported in this press release is subject to change to reflect the subsequent event. 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; banking instability caused by bank failures and financial uncertainty of various banks which may adversely impact the Corporation and its securities and loan values, deposit stability, capital adequacy, financial condition, operations, liquidity, and results of operations; 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 credit 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. Management considers subsequent events occurring after the balance sheet date for matters which may require adjustment to, or disclosure in, the consolidated financial statements. The review period for subsequent events extends up to and including the filing date of the Corporation’s consolidated financial statements when filed with the SEC. Accordingly, the financial information in this announcement is subject to change. 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.

ACNB #2026-13
October 22, 2026

ACNB Corporation Financial Highlights  elected Financial Data by Respective Quarter End  (Unaudited)
(Dollars in thousands, except per share data)	September 30, 2026			June 30, 2026			March 31, 2026			December 31, 2025			September 30, 2025
BALANCE SHEET DATA
Total assets	$	3,300,976		$	3,318,863		$	3,269,864		$	3,228,126		$	3,250,838
Investment securities		514,165			529,774			535,760			531,131			526,570
Total loans, net of unearned income		2,406,511			2,398,104			2,349,245			2,330,514			2,336,605
Allowance for credit losses		(24,976	)		(24,006	)		(23,615	)		(23,672	)		(23,660	)
Deposits		2,508,963			2,535,676			2,525,772			2,450,185			2,465,896
Allowance for unfunded commitments		1,541			1,711			1,818			1,831			1,384
Borrowings		331,434			323,143			279,215			320,116			335,833
Stockholders’ equity		420,476			423,279			425,476			419,974			408,642
INCOME STATEMENT DATA
Interest and dividend income	$	44,951		$	43,685		$	42,232		$	42,856		$	42,490
Interest expense		10,176			9,683			9,717			10,005			10,353
Net interest income		34,775			34,002			32,515			32,851			32,137
Provision for (reversal of) credit losses		1,073			554			(76	)		106			(584	)
(Reversal of) provision for unfunded commitments		(170	)		(107	)		(13	)		447			(145	)
Net interest income after provision for (reversal of) credit losses and unfunded commitments		33,872			33,555			32,604			32,298			32,866
Noninterest income		9,032			8,818			8,274			4,332			8,411
Noninterest expenses		23,220			23,125			23,615			23,453			22,361
Income before income taxes		19,684			19,248			17,263			13,177			18,916
Income tax expense		3,957			4,034			3,560			2,372			4,046
Net income	$	15,727		$	15,214		$	13,703		$	10,805		$	14,870
PROFITABILITY RATIOS
Total loans, net of unearned income to deposits		95.92	%		94.57	%		93.01	%		95.12	%		94.76	%
Return on average assets (annualized)		1.87			1.85			1.71			1.30			1.80
Return on average equity (annualized)		14.67			14.54			12.97			10.31			14.66
Efficiency ratio1		51.45			51.60			55.84			53.39			51.96
FTE Net interest margin		4.56			4.56			4.46			4.36			4.27
Yield on average earning assets		5.88			5.86			5.78			5.69			5.64
Yield on investment securities		3.73			3.68			3.66			3.17			3.03
Yield on total loans		6.44			6.40			6.35			6.33			6.29
Cost of funds		1.41			1.38			1.41			1.40			1.45
PER SHARE DATA
Diluted earnings per share	$	1.55		$	1.49		$	1.32		$	1.04		$	1.42
Cash dividends paid per share		0.42			0.92			0.38			0.38			0.34
Tangible book value per share1		33.26			33.42			32.99			32.22			30.87
CAPITAL RATIOS2
Tier 1 leverage ratio		11.77	%		11.55	%		11.74	%		11.40	%		11.22	%
Common equity tier 1 ratio		15.01			14.49			14.92			14.74			14.45
Tier 1 risk based capital ratio		15.23			14.71			15.14			14.96			14.67
Total risk based capital ratio		16.81			16.25			16.73			16.54			16.22
CREDITQUALITY
Net charge-offs (recoveries) to average loans outstanding (annualized)		0.02	%		0.03	%	(0.00		)%		0.02	%		0.02	%
Total non-performing loans to total loans, net of unearned income3		0.45			0.41			0.41			0.46			0.43
Total non-performing assets to total assets4		0.34			0.31			0.29			0.33			0.31
Allowance for credit losses to total loans, net of unearned income		1.04			1.00			1.01			1.02			1.01

_{¹ Non-GAAP financial measure. Please refer to the calculation on the page titled “Non-GAAP Reconciliation” at the end of this document.
² Regulatory capital ratios as of September 30, 2026 are preliminary.
³ Non-performing loans consists of loans on nonaccrual status and loans greater than 90 days past due and still accruing interest.
⁴ Non-performing assets consists of non-performing loans and foreclosed assets held for resale.}

Consolidated Statements of Condition (Unaudited)
(Dollars in thousands, except per share data)	September 30, 2026			June 30, 2026			September 30, 2025
ASSETS
Cash and due from banks	$	27,239		$	27,995		$	30,500
Interest-bearing deposits with banks		61,119			53,840			71,639
Total Cash and Cash Equivalents		88,358			81,835			102,139
Equity securities with readily determinable fair values		903			938			945
Investment securities available for sale, at estimated fair value		450,784			466,216			462,217
Investment securities held to maturity, at amortized cost (fair value $51,603,
$56,576 and $56,932)		62,478			62,620			63,408
Loans held for sale		8,166			33,528			16,850
Total loans, net of unearned income		2,406,511			2,398,104			2,336,605
Less: Allowance for credit losses		(24,976	)		(24,006	)		(23,660	)
Loans, net		2,381,535			2,374,098			2,312,945
Premises and equipment, net		27,923			27,982			31,107
Right of use asset		3,658			3,920			4,403
Restricted investment in bank stocks		14,243			14,290			14,462
Investment in bank-owned life insurance		104,499			106,423			96,755
Investments in low-income housing partnerships		657			689			783
Goodwill		64,449			64,449			64,449
Intangible assets, net		19,335			20,351			23,565
Assets held for sale		2,346			2,346			275
Other assets		71,642			59,178			56,535
Total Assets	$	3,300,976		$	3,318,863		$	3,250,838

LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Noninterest-bearing	$	612,620		$	600,711		$	581,697
Interest-bearing		1,896,343			1,934,965			1,884,199
Total Deposits		2,508,963			2,535,676			2,465,896
Short-term borrowings		116,509			108,259			80,468
Long-term borrowings		214,925			214,884			255,365
Lease liability		3,944			4,218			4,696
Allowance for unfunded commitments		1,541			1,711			1,384
Other liabilities		34,618			30,836			34,387
Total Liabilities		2,880,500			2,895,584			2,842,196
Stockholders’ Equity:
Preferred Stock, $2.50 par value, 20,000,000 shares authorized; no shares outstanding at September 30, 2026, June 30, 2026 and September 30, 2025		—			—			—
Common stock, $2.50 par value, 40,000,000, 40,000,000, and 20,000,000 shares authorized; 11,084,900, 11,079,210, and 11,023,573 shares issued; 10,164,332, 10,169,930, and 10,423,015 shares outstanding at September 30, 2026, June 30, 2026 and September 30, 2025, respectively		27,706			27,692			27,555
Treasury stock, at cost, 920,568, 909,280, and 600,558 at September 30, 2026, June 30, 2026, and September 30, 2025, respectively		(35,856	)		(35,114	)		(19,875	)
Additional paid-in capital		181,866			181,107			179,130
Retained earnings		284,437			272,965			250,410
Accumulated other comprehensive loss		(37,677	)		(23,371	)		(28,578	)
Total Stockholders’ Equity		420,476			423,279			408,642
Total Liabilities and Stockholders’ Equity	$	3,300,976		$	3,318,863		$	3,250,838

Consolidated Income Statements (Unaudited)
	Three Months Ended September 30,						Nine Months Ended September 30,
(Dollars in thousands, except per share data)		2026			2025			2026			2025
INTEREST AND DIVIDEND INCOME
Loans, including fees:
Taxable	$	38,776		$	36,961		$	112,961		$	105,192
Tax-exempt		357			324			1,044			933
Investment securities:
Taxable		4,373			3,430			12,957			9,615
Tax-exempt		323			281			957			852
Dividends		338			332			938			979
Other		784			1,162			2,011			2,785
TotalInterestandDividendIncome		44,951			42,490			130,868			120,356
INTEREST EXPENSE
Deposits		6,659			6,872			19,660			20,152
Short-term borrowings		969			513			2,084			1,148
Long-term borrowings		2,548			2,968			7,832			8,817
Total Interest Expense		10,176			10,353			29,576			30,117
Net Interest Income		34,775			32,137			101,292			90,239
Provision for (reversal of) credit losses		1,073			(584	)		1,551			5,156
Reversal of provision for unfunded commitments		(170	)		(145	)		(290	)		(979	)
Net Interest Income after Provision for (Reversal of) Credit Losses and Unfunded Commitments		33,872			32,866			100,031			86,062
NON INTEREST INCOME
Insurance commissions		2,667			2,545			7,786			7,600
Gain from mortgage loans held for sale		1,000			1,463			3,689			3,893
Service charges on deposits		1,304			1,286			3,782			3,559
Wealth management		1,253			1,125			3,604			3,275
ATM debit card charges		932			904			2,771			2,640
Earnings on investment in bank-owned life insurance		776			651			2,269			1,858
Gain on assets held for sale		—			—			177			—
Gain on life insurance proceeds		687			—			861			285
Other		448			428			1,182			1,119
Net gains on sales or calls of investment securities		—			—			49			22
Net (losses) gains on equity securities		(35	)		9			(46	)		26
Total Noninterest Income		9,032			8,411			26,124			24,277
NON INTEREST EXPENSES
Salaries and employee benefits		14,055			13,191			41,843			39,745
Equipment		2,313			2,302			7,465			7,121
Net occupancy		1,208			1,217			3,950			3,936
Intangible assets amortization		1,017			1,129			3,101			3,127
Professional services		801			588			2,215			1,908
Other tax		661			561			1,555			1,308
FDIC and regulatory		440			457			1,341			1,293
Merger-related		—			169			—			10,143
Other		2,725			2,747			8,490			8,481
Total Noninterest Expenses		23,220			22,361			69,960			77,062
Income Before Income Taxes		19,684			18,916			56,195			33,277
Income tax expense		3,957			4,046			11,551			7,031
Net Income	$	15,727		$	14,870		$	44,644		$	26,246
PER SHARE DATA
Basic earnings	$	1.55		$	1.43		$	4.37		$	2.57
Diluted earnings	$	1.55		$	1.42		$	4.36		$	2.56
Weighted average shares basic		10,126,509			10,419,581			10,214,487			10,228,029
Weighted average shares diluted		10,167,874			10,455,461			10,248,050			10,257,800

Average Balances, Income and Expenses, Yields and Rates
	Three Months Ended								Three Months Ended										Three Months Ended										Three Months Ended								Three Months Ended
	September 30, 2026								June 30, 2026										March 31, 2026										December 31, 2025								September 30,2025
(Dollars in thousands)	Average Balance			Interest1			Yield/Rate		Average Balance			Interest1					Yield/Rate		Average Balance			Interest1					Yield/Rate		Average Balance			Interest1			Yield/Rate		Average Balance			Interest1					Yield/Rate
ASSETS
Loans:
Taxable	$	2,362,793		$	38,776		6.51	%	$	2,345,905		$	37,883				6.48	%	$	2,290,463		$	36,302				6.43	%	$	2,305,296		$	37,293		6.42	%	$	2,298,054		$	36,961				6.38	%
Tax-exempt		54,497			452		3.29			55,382			442				3.20			56,344			428				3.08			58,740			434		2.93			58,587			410				2.78
Total Loans2		2,417,290			39,228		6.44			2,401,287			38,325				6.40			2,346,807			36,730				6.35			2,364,036			37,727		6.33			2,356,641			37,371				6.29
Investment Securities:
Taxable		488,625			4,711		3.83			490,321			4,609				3.77			494,221			4,575				3.75			480,987			3,900		3.22			485,309			3,762				3.08
Tax-exempt		55,863			409		2.90			55,946			405				2.90			56,036			397				2.87			54,518			376		2.74			53,165			356				2.66
Total Investments3		544,488			5,120		3.73			546,267			5,014				3.68			550,257			4,972				3.66			535,505			4,276		3.17			538,474			4,118				3.03
Interest-bearing deposits with banks		81,724			784		3.81			56,171			524				3.74			76,769			703				3.71			101,846			1,023		3.99			103,290			1,162				4.46
Total Earning Assets		3,043,502			45,132		5.88			3,003,725			43,863				5.86			2,973,833			42,405				5.78			3,001,387			43,026		5.69			2,998,405			42,651				5.64
Cash and due from banks		27,793								25,827										24,482										25,686								26,709
Premises and equipment		28,066								28,757										30,611										31,297								31,514
Other assets		256,267								254,925										249,769										250,508								245,899
Allowance for credit losses		(23,981	)							(23,560	)									(23,682	)									(23,646	)							(24,312	)
Total Assets	$	3,331,647							$	3,289,674									$	3,255,013									$	3,285,232							$	3,278,215
LIABILITIES
Interest-bearing demand deposits	$	641,483		$	652		0.40	%	$	650,258				$	595		0.37	%	$	616,311				$	460		0.30	%	$	633,593		$	545		0.34	%	$	616,565				$	570		0.37	%
Money markets		480,604			2,282		1.88			489,449					2,266		1.86			489,957					2,227		1.84			491,932			2,322		1.87			510,655					2,530		1.97
Savings deposits		331,158			27		0.03			335,451					26		0.03			335,398					26		0.03			331,309			27		0.03			335,083					26		0.03
Time deposits		465,062			3,698		3.15			476,319					3,727		3.14			472,621					3,674		3.15			454,083			3,653		3.19			454,625					3,746		3.27
Total Interest-Bearing Deposits		1,918,307			6,659		1.38			1,951,477					6,614		1.36			1,914,287					6,387		1.35			1,910,917			6,547		1.36			1,916,928					6,872		1.42
Short-term borrowings		115,889			969		3.32			73,266					552		3.02			74,562					563		3.06			69,326			491		2.81			70,389					513		2.89
Long-term borrowings		214,900			2,548		4.70			215,038					2,517		4.69			243,880					2,767		4.60			255,369			2,967		4.61			255,358					2,968		4.61
Total Borrowings		330,789			3,517		4.22			288,304					3,069		4.27			318,442					3,330		4.24			324,695			3,458		4.23			325,747					3,481		4.24
Total Interest-Bearing Liabilities		2,249,096			10,176		1.80			2,239,781					9,683		1.73			2,232,729					9,717		1.77			2,235,612			10,005		1.78			2,242,675					10,353		1.83
Noninterest-bearing demand deposits		615,423								583,453										554,591										592,956								593,800
Other liabilities		41,690								46,848										39,174										40,963								39,397
Stockholders’ Equity		425,438								419,592										428,519										415,701								402,343
Total Liabilities and Stockholders’ Equity	$	3,331,647							$	3,289,674									$	3,255,013									$	3,285,232							$	3,278,215
Taxable Equivalent Net Interest Income					34,956										34,180										32,688								33,021										32,298
Taxable Equivalent Adjustment					(181	)									(178	)									(173	)							(170	)									(161	)
Net Interest Income				$	34,775									$	34,002									$	32,515							$	32,851									$	32,137
Cost of Funds							1.41	%									1.38	%									1.41	%							1.40	%									1.45	%
FTE Net Interest Margin							4.56	%									4.56	%									4.46	%							4.36	%									4.27	%

_{¹ Income on interest-earning assets has been computed on a fully taxable equivalent (FTE) basis using the 21% federal income tax statutory rate.
² Average balances include non-accrual loans and are net of unearned income.
³ Average balances of investment securities is computed at fair value.}

Average Balances, Income and Expenses, Yields and Rates
	Nine Months Ended September 30, 2026											Nine Months Ended September 30, 2025
(Dollars in thousands)		Average Balance				Interest1			Yield/Rate				Average Balance				Interest1					Yield/Rate
Loans:
Taxable	$	2,333,318			$	112,961			6.47	%		$	2,225,652			$	105,192					6.32	%
Tax-exempt		55,401				1,322			3.19				58,489				1,181					2.70
Total Loans2		2,388,719				114,283			6.40				2,284,141				106,373					6.23
Investment Securities:
Taxable		491,035				13,895			3.78				472,212				10,594					3.00
Tax-exempt		55,948				1,211			2.89				54,023				1,078					2.67
Total Investments3		546,983				15,106			3.69				526,235				11,672					2.97
Interest-bearing deposits with banks		71,573				2,011			3.76				84,717				2,785					4.40
Total Earning Assets		3,007,275				131,400			5.84				2,895,093				120,830					5.58
Cash and due from banks		26,046											24,330
Premises and equipment		29,135											31,151
Other assets		253,678											242,143
Allowance for credit losses		(23,742	)										(22,971	)
Total Assets	$	3,292,392										$	3,169,746
LIABILITIES
Interest-bearing demand deposits	$	636,141			$	1,707			0.36	%		$	601,064					$	1,608			0.36	%
Money markets		486,636				6,775			1.86				498,468						7,220			1.94
Savings deposits		333,987				79			0.03				336,185						80			0.03
Time deposits		471,306				11,099			3.15				446,482						11,244			3.37
Total Interest-Bearing Deposits		1,928,070				19,660			1.36				1,882,199						20,152			1.43
Short-term borrowings		88,057				2,084			3.16				51,324						1,148			2.99
Long-term borrowings		224,500				7,832			4.66				256,080						8,817			4.60
Total Borrowings		312,557				9,916			4.24				307,404						9,965			4.33
Total Interest-Bearing Liabilities		2,240,627				29,576			1.76				2,189,603						30,117			1.84
Noninterest-bearing demand deposits		584,712											556,992
Other liabilities		42,548											38,543
Stockholders’ Equity		424,505											384,608
Total Liabilities and Stockholders’ Equity	$	3,292,392										$	3,169,746
Taxable Equivalent Net Interest Income						101,824													90,713
Taxable Equivalent Adjustment						(532	)												(474	)
Net Interest Income					$	101,292												$	90,239
Cost of Funds									1.40	%												1.47	%
FTE Net Interest Margin									4.53	%												4.19	%

_{¹ Income on interest-earning assets has been computed on a fully taxable equivalent basis (FTE) using the 21% federal income tax statutory rate.
² Average balances include non-accrual loans and are net of unearned income.
³ Average balances of investment securities is computed at fair value.}

Non-GAAP Reconciliation

_{Note: The Corporation has presented the following non-GAAP financial measures because it believes that these measures provide useful and comparative information to assess trends in the Corporation’s results of operations and financial condition. These non-GAAP financial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation’s industry. Investors should recognize that the Corporation’s presentation of these non-GAAP financial measures might not be comparable to similarly-titled measures of other corporations. 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.}

	Three Months Ended
(Dollars in thousands, except per share data)	September 30, 2026			June 30, 2026			March 31, 2026			December 31, 2025			September 30, 2025
Tangible book value per share
Stockholders’ equity	$	420,476		$	423,279		$	425,476		$	419,974		$	408,642
Less: Goodwill and intangible assets		(83,784	)		(84,800	)		(85,828	)		(86,884	)		(88,014	)
Tangible common stockholders’ equity (numerator)	$	336,692		$	338,479		$	339,648		$	333,090		$	320,628
Shares outstanding, less unvested shares, end of period (denominator)		10,122,967			10,128,565			10,296,825			10,337,757			10,387,135
Tangible book value per share	$	33.26		$	33.42		$	32.99		$	32.22		$	30.87
Tangible common equity to tangible assets (TCE/TA Ratio)
Tangible common stockholders’ equity (numerator)	$	336,692		$	338,479		$	339,648		$	333,090		$	320,628
Total assets	$	3,300,976		$	3,318,863		$	3,269,864		$	3,228,126		$	3,250,838
Less: Goodwill and intangible assets		(83,784	)		(84,800	)		(85,828	)		(86,884	)		(88,014	)
Total tangible assets (denominator)	$	3,217,192		$	3,234,063		$	3,184,036		$	3,141,242		$	3,162,824
Tangible common equity to tangible assets		10.47	%		10.47	%		10.67	%		10.60	%		10.14	%
Efficiency Ratio
Noninterest expense	$	23,220		$	23,125		$	23,615		$	23,453		$	22,361
Less: Intangible amortization		1,017			1,028			1,056			1,130			1,129
Less: Merger-related expense		—			—			—			575			169
Noninterest expense (numerator)	$	22,203		$	22,097		$	22,559		$	21,748		$	21,063
Net interest income	$	34,775		$	34,002		$	32,515		$	32,851		$	32,137
Plus: Total noninterest income		9,032			8,818			8,274			4,332			8,411
Less: Gain on assets held for sale		—			—			177			—			—
Less: Gain on life insurance proceeds		687			—			174			—			—
Less: Net gains (losses) on sales or calls of securities		—			—			49			(3,557	)		—
Less: Net (losses) gains on equity securities		(35	)		(4	)		(7	)		4			9
Total revenue (denominator)	$	43,155		$	42,824		$	40,396		$	40,736		$	40,539
Efficiency ratio		51.45	%		51.60	%		55.84	%		53.39	%		51.96	%

Contact:	Jason H. Weber
	EVP/Treasurer & Chief Financial Officer
	717.339.5090
	jweber@acnb.com

Showing strong momentum in its Student Financial Software (SFS) solution, Flywire announced the milestone at its third-annual U.S. education conference, Flywire Fusion, which brought together 150+ attendees from leading U.S. institutions

BOSTON, Oct. 22, 2026 (GLOBE NEWSWIRE) — Flywire Corporation (NASDAQ: FLYW), a global payments enablement and software company, today announced a major milestone in higher education tuition management – more than 1 million payment plans have now been activated since inception by students at institutions using Flywire’s Student Financial Software (SFS).

Higher education institutions using SFS on average see a 50% increase in plan enrollment with default rates under 2% – helping to ensure predictable revenue streams for schools that rely on tuition to fund operations.

The milestone, announced at Flywire’s third-annual Fusion conference in Austin, Texas, was met with great fanfare by the 150+ attendees across 70 public, private and community institutions from across the U.S. The attendees rallied around the idea that the current environment requires a new approach to the tuition management experience. They are eager to modernize the student financial experience not only to best serve their students and families, but to operate at the pace and level of efficiency today’s student finance office demands.

“There is real value for students and the staff in modernizing the way we handle tuition processes,” said Penn State, who detailed their SFS implementation on stage. “Flywire has been a visionary partner for us in solving complex tuition-related payment flows, and we believe there will be strong ROI as we expand our partnership.”

Driving Retention and Financial Agility for Higher Education

Flywire SFS is becoming a tool that industries rely on amid tight institution budgets, shifting federal and state policy and regulations, and changing student needs. Recent performance metrics highlight the impact of Flywire SFS across client campuses:

• 1 million + payment plans activated: Reached a record milestone in payment plan adoption since inception, representing a 50% increase in payment plan enrollment across partner institutions.
• Single digit default rates: Less than 2% of students default on their payment plans, ensuring reliable revenue streams for colleges and universities while keeping students on track toward graduation.
• $93 million in savings on past-due collections: Proactive outreach and automated engagement tools helped institutions recover millions in outstanding tuition balances prior to collection agency escalation.
• 20% fewer accounts sent to collections: Flexible financial pathways help reduce the need and cost of third-party collection agencies.
• 229,000 at-risk students enrolled saved from collections. Flexible payment plans help thousands of students remain enrolled and continue pursuing higher ed degrees.
• $468 million in past-due tuition collected: Advanced receivables workflows enabled institutions to collect millions in past-due balances while maintaining compassionate student communication.

“Surpassing 1 million payment plan enrollments is a testament to how higher education leaders are seeing student financial experiences as a driver of retention and revenue. By providing more flexible options and modernizing tuition payment operations, institutions are not only looking out for their students, but positioning themselves for long-term financial sustainability.” – Sharon Butler, Co-President of Global Education

Practical Solutions and Innovation on Display at Flywire Fusion Conference

In its third year, Flywire Fusion brings institution leaders together to collaborate and learn from experts and one another on the most pressing topics in higher education today, such as financial sustainability and revenue diversification, artificial intelligence, federal and state policy updates and much more.

Evidence of Flywire’s commitment to innovation in the higher education sector, Flywire engineers built SFS numerous enhancements live, in 24 hours, on-site, as voted on by institutions in the Flywire Hackathon. They were revealed on-stage by Flywire Chief Product Officer David King.

“Institutions don’t just buy software from Flywire. They get a true innovation partner. What our engineers built onsite in 24 hours reflects our overall approach to problem solving for our clients – we listen, we build quickly and we keep improving.” – David King, Co-President of Education and Chief Product Officer, Flywire.

Celebrating Client Innovation: Flywire Fusion Star Award Winners Demonstrate Strong ROI and Student Impact

At Flywire Fusion, the company also recognized outstanding achievements among its higher education client community and partner ecosystem, celebrating institutions that have set new standards for operational efficiency, cross-departmental collaboration, and student experience.

“Our institutional partners continue to redefine what seamless student financial engagement looks like,” said Allison MacLeod, Chief Commercial Officer at Flywire. “We are thrilled to honor this year’s award winners for their commitment to excellence, innovation, and transforming the student payment experience.”

The 2026 Flywire Fusion Award winners include:

Award Category	Recipient
Best Newcomer	Penn State University
Optimization Excellence	UC Irvine
Implementation Excellence	Blinn College District
Best Practice Leader	Worcester Polytechnic Institute (WPI)
Innovative Leader	Wesleyan University + Worcester Polytechnic Institute (WPI)
Process Improvement	Western Governors University (WGU)
Student Experience	Ball State University
Trailblazer	Wentworth Institute of Technology
Cross-Campus Fusion	University of Northern Colorado
Partner of the Year	Workday
Shining Star	University of North Texas

Resources

• Flywire Fusion took place October 19 – October 21 in Austin, Texas with Citi (NYSE: C), GradGuard as Platinum Sponsors, Discover Global Network and Workday as Gold sponsors and American Express, ConServe, and Todd, Bremer & Lawson, Inc. Silver Sponsors.
• To learn more about Flywire’s solutions for the U.S. higher education industry, visit here.

About Flywire
Flywire is a global payments enablement and software company. We combine our proprietary global payments network, next-gen payments platform and vertical-specific software to deliver the most important and complex payments for our clients and their customers.

Flywire leverages its vertical-specific software and payments technology to deeply embed within the existing A/R workflows for its clients across the education, healthcare and travel vertical markets, as well as in key B2B industries. Flywire also integrates with leading ERP systems, such as NetSuite, so organizations can optimize the payment experience for their customers while eliminating operational challenges.

Flywire supports more than 5,300* clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world. Flywire is headquartered in Boston, MA, USA with global offices. For more information, visit www.flywire.com. Follow Flywire on X (formerly known as Twitter), LinkedIn and Facebook.

*Not including Flywire’s Invoiced and Sertifi acquisitions

Media Contact

Sarah King

Media@Flywire.com

Investor Relations Contact

Masha Kahn

ir@flywire.com

Forward Looking Statements
This release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, but not limited to, statements regarding Flywire’s strategy, expectations and plans of its Education business, market growth and trends. Flywire intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995. In some cases, you can identify forward-looking statements by terms such as, but not limited to, “believe,” “may,” “will,” “potentially,” “estimate,” “continue,” “anticipate,” “intend,” “could,” “would,” “project,” “target,” “plan,” “expect,” or the negative of these terms, and similar expressions intended to identify forward-looking statements. Such forward-looking statements are based upon current expectations that involve risks, changes in circumstances, assumptions, and uncertainties. Important factors that could cause actual results to differ materially from those reflected in Flywire’s forward-looking statements include, among others, the factors that are described in the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of Flywire’s Annual Report on Form 10-K for the year ended December 31, 2025 and Quarterly Report on Form 10-Q for the quarter ended June 30, 2026, which are on file with the Securities and Exchange Commission (SEC) and available on the SEC’s website at https://www.sec.gov/. The information in this release is provided only as of the date of this release, and Flywire undertakes no obligation to update any forward-looking statements contained in this release on account of new information, future events, or otherwise, except as required by law.

8.3

PUBLIC OPENING POSITION DISCLOSURE/DEALING DISCLOSURE BY
A PERSON WITH INTERESTS IN RELEVANT SECURITIES REPRESENTING 1% OR MORE
Rule 8.3 of the Takeover Code (the “Code”)

1.        KEY INFORMATION

(a)   Full name of discloser:	Rathbones Group Plc
(b)   Owner or controller of interests and short positions disclosed, if different from 1(a):         The naming of nominee or vehicle companies is insufficient. For a trust, the trustee(s), settlor and beneficiaries must be named.
(c)   Name of offeror/offeree in relation to whose relevant securities this form relates:         Use a separate form for each offeror/offeree	Eleco Plc
(d)   If an exempt fund manager connected with an offeror/offeree, state this and specify identity of offeror/offeree:
(e)   Date position held/dealing undertaken:         For an opening position disclosure, state the latest practicable date prior to the disclosure	21/10/2026
(f)   In addition to the company in 1(c) above, is the discloser making disclosures in respect of any other party to the offer?         If it is a cash offer or possible cash offer, state “N/A”	No

2.        POSITIONS OF THE PERSON MAKING THE DISCLOSURE

If there are positions or rights to subscribe to disclose in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 2(a) or (b) (as appropriate) for each additional class of relevant security.

(a)      Interests and short positions in the relevant securities of the offeror or offeree to which the disclosure relates following the dealing (if any)

Class of relevant security:	1p Ordinary Shares
	Interests		Short positions
	Number	%	Number	%
(1)   Relevant securities owned and/or controlled:	1,143,510	1.35%
(2)   Cash-settled derivatives:
(3)   Stock-settled derivatives (including options) and agreements to purchase/sell:
TOTAL:	1,143,510	1.35%

All interests and all short positions should be disclosed.

Details of any open stock-settled derivative positions (including traded options), or agreements to purchase or sell relevant securities, should be given on a Supplemental Form 8 (Open Positions).

(b)      Rights to subscribe for new securities (including directors’ and other employee options)

Class of relevant security in relation to which subscription right exists:
Details, including nature of the rights concerned and relevant percentages:

3.        DEALINGS (IF ANY) BY THE PERSON MAKING THE DISCLOSURE

Where there have been dealings in more than one class of relevant securities of the offeror or offeree named in 1(c), copy table 3(a), (b), (c) or (d) (as appropriate) for each additional class of relevant security dealt in.

The currency of all prices and other monetary amounts should be stated.

(a)        Purchases and sales

Class of relevant security	Purchase/sale	Number of securities	Price per unit
1p Ordinary Shares	Sale	1,510	230.1073p

(b)        Cash-settled derivative transactions

Class of relevant security	Product description e.g. CFD	Nature of dealing e.g. opening/closing a long/short position, increasing/reducing a long/short position	Number of reference securities	Price per unit

(c)        Stock-settled derivative transactions (including options)

(i)        Writing, selling, purchasing or varying

Class of relevant security	Product description e.g. call option	Writing, purchasing, selling, varying etc.	Number of securities to which option relates	Exercise price per unit	Type e.g. American, European etc.	Expiry date	Option money paid/ received per unit

(ii)        Exercise

Class of relevant security	Product description e.g. call option	Exercising/ exercised against	Number of securities	Exercise price per unit

(d)        Other dealings (including subscribing for new securities)

Class of relevant security	Nature of dealing e.g. subscription, conversion	Details	Price per unit (if applicable)
1p Ordinary Shares

4.        OTHER INFORMATION

(a)        Indemnity and other dealing arrangements

Details of any indemnity or option arrangement, or any agreement or understanding, formal or informal, relating to relevant securities which may be an inducement to deal or refrain from dealing entered into by the person making the disclosure and any party to the offer or any person acting in concert with a party to the offer: Irrevocable commitments and letters of intent should not be included. If there are no such agreements, arrangements or understandings, state “none”

None

(b)        Agreements, arrangements or understandings relating to options or derivatives

Details of any agreement, arrangement or understanding, formal or informal, between the person making the disclosure and any other person relating to: (i)   the voting rights of any relevant securities under any option; or (ii)   the voting rights or future acquisition or disposal of any relevant securities to which any derivative is referenced: If there are no such agreements, arrangements or understandings, state “none”

None

(c)        Attachments

Is a Supplemental Form 8 (Open Positions) attached?

No

Date of disclosure:	22/10/2026
Contact name:	Michaela Skinner – Compliance Department
Telephone number:	020 7597 1693

Public disclosures under Rule 8 of the Code must be made to a Regulatory Information Service.

The Panel’s Market Surveillance Unit is available for consultation in relation to the Code’s disclosure requirements on +44 (0)20 7638 0129.

The Code can be viewed on the Panel’s website at.

TEL AVIV, Israel, Oct. 22, 2026 (GLOBE NEWSWIRE) — SciSparc Ltd. (Nasdaq: SPRC) (“Company” or “SciSparc”), today announced that its subsidiary, NeuroThera Labs Inc. (TSXV: NTLX) (“NeuroThera”), a clinical-stage pharmaceutical company focused on developing novel treatments for central nervous system disorders, has achieved further progress in its U.S. Food and Drug Administration (“FDA”) approved clinical trial program evaluating SCI-110 for the treatment of Tourette Syndrome (“TS”) in adults.

NeuroThera has successfully completed the manufacturing of the investigational product and obtained the required batch release certification from a European Qualified Person (“QP”), a key regulatory milestone authorizing shipment of clinical trial material to participating study sites. The release enables site activation activities and supports the initiation of patient enrollment in the FDA-approved Phase IIb clinical trial for TS.

The Phase IIb clinical trial is being conducted at three clinical sites: Yale Child Study Center at Yale School of Medicine in New Haven, Connecticut, USA; Hannover Medical School in Hanover, Germany; and Tel Aviv Sourasky Medical Center in Tel Aviv, Israel. All participating sites have successfully completed their site initiation activities and are prepared to receive clinical trial drug supplies following QP batch release.

Completion of site initiation activities across all participating clinical centers, together with the successful European QP release of clinical trial supplies, marks a significant operational milestone for NeuroThera, which is now advancing toward patient enrollment in its Phase IIb clinical trial for TS, with investigational product shipments to study sites expected in the near term.

SCI-110 is NeuroThera’s proprietary, patent-protected cannabinoid-based drug candidate, combining dronabinol and palmitoylethanolamide (PEA) in a single oral dosage form. The Phase IIb study is evaluating SCI-110’s efficacy, safety and tolerability in adults with TS, a condition with substantial unmet treatment needs.

About SciSparc Ltd. (Nasdaq: SPRC):

The Company, through its majority-owned subsidiary NeuroThera, engages in clinical-stage pharmaceutical developments. SciSparc’s focus is on creating and enhancing a portfolio of technologies and assets based on cannabinoid pharmaceuticals. With this focus, the Company, together with its majority-owned subsidiary NeuroThera, is currently engaged in the following drug development programs based on THC and/or non-psychoactive CBD: SCI-110 for the treatment of Tourette syndrome, for the treatment of Alzheimer’s disease and agitation; and SCI- 210 for the treatment of autism spectrum disorder and status epilepticus. The Company, through NeuroThera, also owns a controlling interest in a subsidiary whose business focuses on the sale of hemp seed oil-based products on the Amazon.com Marketplace.

About NeuroThera Labs Inc.

NeuroThera is a clinical-stage pharmaceutical company focused on developing novel therapeutics for central nervous system disorders and other underserved health conditions through collaborations and innovative combinations.

Forward-Looking Statements:

This press release contains forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 and other Federal securities laws. For example, SciSparc uses forward-looking statements when it discusses the initiation of patient enrolment in the Phase IIb clinical trial for TS; the expected timing for investigational product shipments to study sites; and the potential efficacy, safety and tolerability of SCI-110. Because such statements deal with future events and are based on SciSparc’s current expectations, they are subject to various risks and uncertainties, and actual results, performance or achievements of SciSparc could differ materially from those described in or implied by the statements in this press release. The forward-looking statements contained or implied in this press release are subject to other risks and uncertainties, including those discussed under the heading “Risk Factors” in SciSparc’s Annual Report on Form 20-F, filed with the SEC on April 29, 2026, as amended, and in subsequent filings with the U.S. Securities and Exchange Commission. Except as otherwise required by law, SciSparc disclaims any intention or obligation to update or revise any forward-looking statements, which speak only as of the date they were made, whether as a result of new information, future events or circumstances or otherwise.

Investor Contact:
IR@scisparc.com
Tel: +972-3-6167055

Collaboration aims to combine Wearable Devices’ Neural Intent data with Encord’s Physical AI data infrastructure to support richer multimodal training data for advanced Physical AI and robotics applications

YOKNEAM ILLIT, ISRAEL, Oct. 22, 2026 (GLOBE NEWSWIRE) — Wearable Devices Ltd. (Nasdaq: WLDS, WLDSW) (“Wearable Devices” or the “Company”), a technology growth company specializing in artificial intelligence (“AI”)-powered neural sensing wearables, today announced that it has entered into a strategic collaboration agreement with Cord Technologies, Inc. (“Encord”), an AI data infrastructure company focused on Physical AI.

The collaboration brings together Wearable Devices’ wrist-based neural sensing technology with Encord’s Physical AI data infrastructure and visual data capabilities, with the goal of creating richer multimodal training data for Physical AI systems. By combining neural signals associated with human movement and intent with visual information, the companies aim to enhance how Physical AI systems learn from and interpret complex human actions. On the Wearable Devices side, the collaboration is led by Kavana, the Company’s Physical AI business unit.

The agreement establishes a commercial framework for Encord to purchase Wearable Devices’ wrist-worn devices and use data collected through those devices, subject to the agreement’s licensing and commercialization terms. It builds on the companies’ existing evaluation relationship and supports their efforts to evaluate the combination of neural and visual information for Physical AI applications.

Wearable Devices’ wrist-worn technology, including Mudra Pro and Mudra Ultimate, captures surface electromyography (“sEMG”) signals associated with neuromuscular activity underlying hand and finger movement. The Company refers to this information as “Neural Intent” data, reflecting its potential use in interpreting movement-related intent rather than a direct measurement of a person’s thoughts or intentions.

This neuromuscular information is intended to complement vision-based data, particularly in scenarios involving occlusion, where fingers, hands or objects may be partially obscured from camera view. Such conditions can affect vision-based estimation of hand poses and movements. The collaboration aims to evaluate whether adding wrist-based sensing data can provide useful complementary information in these settings.

Combining neuromuscular and visual information may provide richer training data for dexterous hand manipulation and other advanced Physical AI applications. By adding synchronized neuromuscular signals to visual data, the companies aim to evaluate whether the combined data can provide a more complete representation of human hand movement and associated muscle activity than vision alone.

Under the collaboration, Encord may use data collected through Wearable Devices’ devices to create and provide datasets and other processing outputs to third-party developers, subject to the agreement’s licensing, payment and commercialization terms. The companies also intend to explore opportunities to support developers of Physical AI systems, humanoid robotics and advanced robotic manipulation applications. Any joint development work would be subject to separate written agreements.

The agreement provides for device sales and usage-based compensation to Wearable Devices for qualifying data-collection activity. Any future commercial activity will depend on customer demand and implementation of the collaboration.

The collaboration creates a potential pathway for providing Physical AI developers with differentiated training data that combines what a camera can observe with neuromuscular information associated with the underlying human action.

“Physical AI systems need increasingly rich data to understand not only what is happening in the physical world, but also the nuances of how human actions are performed,” said Leeor Langer, Chief Technology Officer of Wearable Devices. “Vision is a critical component of that process, while our Neural Intent technology can add another layer of information by capturing neuromuscular signals directly from the wrist. Together with Encord’s Physical AI data infrastructure, we believe this combination can create differentiated multimodal training data for increasingly sophisticated Physical AI and robotics systems.”

Langer continued, “Importantly, we are already working together on data collection, testing and integration. This collaboration represents another important step in extending our neural sensing technology beyond human-computer interaction and into the rapidly developing Physical AI ecosystem, while creating potential new commercial applications around the data generated by our technology.”

The collaboration supports Wearable Devices’ broader strategy of positioning its wrist-based neural sensing technology as an additional data layer for Physical AI, with the aim of complementing vision-based training data with synchronized information associated with human movement and muscle activation.

About Wearable Devices Ltd.

Wearable Devices Ltd. (Nasdaq: WLDS, WLDSW) is a growth company pioneering human-computer interaction through its AI-powered neural input touchless technology. Leveraging proprietary sensors, software, and advanced AI algorithms, the Company’s Mudra products are defining the neural input category both for wrist-worn devices and for brain-computer interfaces, enabling touch-free, intuitive control of digital devices using gestures across multiple operating systems.

Operating through a dual-channel model of direct-to-consumer sales and enterprise licensing and collaborations, Wearable Devices empowers consumers with stylish, functional wearables for enhanced experiences in gaming, productivity, and XR, and provides enterprise partners with advanced input solutions for immersive and interactive environments. The ai6 Labs ecosystem accelerates this vision by integrating research, products, and AI breakthroughs. Expanding into Physical AI, the Company’s wearable neural sensing layer enriches human-generated training data for robotics and advanced physical systems; Kavana is the Company’s Physical AI business unit – for more information, visit kavana.tech. Wearable Devices’ ordinary shares and warrants trade on the Nasdaq Capital Market under the symbols “WLDS” and “WLDSW,” respectively.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of applicable U.S. federal securities laws. Forward-looking statements include statements regarding the anticipated implementation and expansion of the collaboration between Wearable Devices and Encord; planned data collection, testing and integration; the potential benefits of combining neuromuscular and visual information; the quality and potential uses of multimodal training datasets and other processing outputs; potential applications in Physical AI and robotics; potential demand from third-party developers; and potential future device sales, usage-based compensation and other commercial opportunities.

Forward-looking statements are based on current expectations, assumptions and beliefs and involve risks and uncertainties that could cause actual results to differ materially from those expressed or implied. These risks include, among others, the ability of the parties to implement and maintain the collaboration and successfully collect, synchronize and combine neuromuscular and visual data; whether the resulting data provides the anticipated technical benefits; the technical performance and commercial acceptance of resulting datasets, products or services; the ability to agree on additional commercial terms and obtain approvals where required; compliance with applicable privacy, biometric-data and other laws and the availability of required participant consents and third-party rights; market demand for Physical AI solutions; competition; technological developments; and the other risks and uncertainties described in Wearable Devices’ filings with the U.S. Securities and Exchange Commission.

Readers are cautioned not to place undue reliance on forward-looking statements. Wearable Devices undertakes no obligation to update any forward-looking statement except as required by applicable law.

Investor Relations Contact: Michal Efraty

IR@wearabledevices.co.il

SAN DIEGO, Oct. 22, 2026 (GLOBE NEWSWIRE) — LPL Financial LLC announced today that financial advisor Kacy Walker, MSFS, AIF®, CPFA®, has launched Kinetic Wealth through affiliation with LPL Financial’s supported independence model, LPL Independent Advisor Network. Walker joins LPL from Cetera and reported serving approximately $300 million* across retirement plans and individual wealth management relationships, including retirees and business owners.

Walker grew up in Madera, California, on her grandmother’s property, Nicolas Ranch, where the surrounding countryside helped shape her grounded perspective and appreciation for community. A lifelong learner, she graduated as valedictorian of Madera South High School and attended Fresno State. While completing her general education studies, she worked with children on the autism spectrum using applied behavior analysis. Looking back, Walker sees that experience as an early part of her calling to understand and serve families and people from all walks of life.

Education remained a priority for Walker, who ultimately earned a bachelor’s degree in business administration from California State University, East Bay, with a focus on corporate management and finance. She later returned to the Fresno area to be closer to home and welcomed her daughter, Kenady. Determined to begin a career in financial services, Walker joined a broker-dealer as a receptionist and quickly advanced to an analyst position. Over the next year and a half, she worked full time, raised her daughter and studied for the Series 7 examination.

After earning her Series 7 registration, Walker set out to find mentors who would teach her not simply how to sell or manage a book of business, but how to truly serve people. She found that guidance from two advisors, who helped shape her relationship-driven approach and prepared her for the next chapter of her career.

Kinetic Wealth’s mission is rooted in understanding people before offering solutions. Just as Walker learned years ago while working closely with families, meaningful guidance begins by listening—learning what questions people are facing, where they need support and how their goals, priorities and way of life shape their financial decisions. From there, the firm works alongside each client to build a personalized financial plan, put it into action and monitor it over time as life and needs evolve.

“Every relationship starts with listening,” Walker said. “Before we talk about solutions, we want to understand what someone is navigating, where they need guidance and what is happening in their life. We learn how they make decisions, what matters most to them and what they want their money to help them accomplish. Then we build the plan together, explain each step in clear, everyday language and continue to monitor and adjust it as their life evolves.”

Why Kinetic Wealth Made the Move to LPL — and Why Now

As Walker considered the next chapter of the firm, preserving independence was a central priority. She chose to affiliate with LPL’s Independent Advisor Network to maintain the flexibility to build services around client needs, and to leverage LPL’s resources and support to help her execute on the firm’s growth plans.

LPL’s Independent Advisor Network empowers advisors with an integrated support model that brings together a connected peer community, experienced guidance and dedicated regional teams. Advisors benefit from hands-on transition execution, growth coaching and consulting across key areas of the business, and ongoing operational, compliance and administrative support, enabling firms to move faster, operate more efficiently and grow on their own terms.

“I wanted to sustain our independence and build the firm around what our clients need,” Walker said. “LPL and the Independent Advisor Network offered the right path, with the resources and specialized support to help us carry forward the relationships we value, expand how we serve people and turn our goals for Kinetic Wealth into action.”

The firm name reflects Walker’s belief that financial planning is a journey rather than a singular, static event. Kinetic Wealth is designed to help clients understand how individual decisions create movement across their financial lives, from foundational steps such as budgeting and retirement preparation to investment planning, debt management and estate planning considerations.

“Kinetic means movement, and every financial decision can move someone closer to the life they want to build,” Walker said. “Our purpose is to serve as an advocate and resource, helping people create a strong foundation and move forward with greater clarity and confidence, wherever they are in their journey.”

LPL’s Chief Growth Officer Marc Cohen said, “We welcome Kinetic Wealth to the LPL community. Kacy’s commitment to listening, education and thoughtful, client-centered guidance aligns with LPL’s purpose — which is to empower advisors with the independence, technology and support they need to build thriving practices. We look forward to supporting Kacy as she expands her reach and brings her vision for Kinetic Wealth to life.”

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About LPL Financial

LPL Financial Holdings Inc. (Nasdaq: LPLA) is among the fastest growing wealth management firms in the U.S. As a leader in the financial advisor-mediated marketplace, LPL supports more than 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.6 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans. The firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. For further information about LPL, please visit www.lpl.com.

Securities and advisory services offered through LPL Financial LLC (“LPL Financial”), a registered investment advisor and broker-dealer, member FINRA/SIPC. Kinetic Wealth and LPL Financial are separate entities.

Throughout this communication, the terms “financial advisors” and “advisors” are used to refer to registered representatives and/or investment advisor representatives affiliated with LPL Financial.

We routinely disclose information that may be important to shareholders in the “Investor Relations” or “Press Releases” section of our website.

*Value approximated based on asset and holding details provided to LPL from end of year, 2025.

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