ACNB Corporation
- Company typePublic
- Founded1857
- HeadquartersGettysburg, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
ACNB Corporation firmographics
Firmographics- Name
- ACNB Corporation
- Legal name
- ACNB Corporation
- Website
- https://acnb.com
- Company type
- Public
- Founded year
- 1857
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
ACNB Corporation industry classification
Industry- Product category
- Community Banking
- NAICS
- Offices of Bank Holding Companies (551111), Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Consumer & Retail (CPG, Food, Apparel) (FSABACAM)
- akta.pro secondary industries
- Real Estate (Commercial Property, REITs) (FSABACAH), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where ACNB Corporation is headquartered
LocationHeadquarters
- HQ city
- Gettysburg
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
ACNB Corporation business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income generated from the bank's loan portfolio (total loans of $2.35 billion) and investment securities, offset by interest paid on deposits. Net interest margin was 4.46% FTE in Q1 2026, reflecting balance sheet restructuring and higher-yielding assets. This is the primary revenue driver for the regional bank.
- Insurance Services: Non-interest income from ACNB Insurance Services, Inc., a full-service insurance agency headquartered in Westminster, MD, with licenses in 46 states. Operates as a wholly-owned subsidiary generating fee-based revenue.
- Wealth Management and Trust Services: Fees from ACNB Wealth Advisors, including trust and investment services, retirement planning, and estate settlement services offered through the bank's wealth division.
- Mortgage Banking: Revenue from mortgage originations through Traditions Mortgage, A Division of ACNB Bank, including purchase mortgages, refinance, construction, and specialty mortgage products.
- Commercial and Retail Banking Fees: Non-interest income from treasury management services, remote deposit capture, payroll services, credit card processing, merchant services, and other fee-based banking services for business and retail customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | 13-Month CD at 3.75% APY |
| Unit Pricing | Pay-as-you-go | Select Money Market Account at 2.50% APY |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels7 records
ACNB Corporation product offering
Product offeringCore offering
ACNB Corporation is a regional bank holding company that, through its primary subsidiary ACNB Bank, provides retail and commercial banking products including checking, savings, CDs, personal and business loans, credit cards, and treasury management. The company also delivers mortgage lending through its Traditions Mortgage division, full-service insurance agency services through ACNB Insurance Services (licensed in 46 states), and wealth management and trust services through ACNB Wealth Advisors.
Product overview
ACNB Corporation operates as a regional bank holding company offering a unified banking and wealth management platform through its primary subsidiary, ACNB Bank. The product portfolio spans personal and business banking (checking, savings, CDs, loans, credit cards), wealth management services (trust, investments, retirement planning, estate settlement), mortgage lending (via Traditions Mortgage division), and insurance (via ACNB Insurance Services subsidiary). The bank serves retail, business, and wealth clients through 33 community banking offices in Pennsylvania and Maryland, with digital banking accessible via online and mobile channels.
Differentiator
Problem solved
Functional benefit
Brands
- Advantage Rewards Checking: Checking account product with integrated benefits including roadside assistance, prescription discounts, travel accidental death insurance, ID theft protection, cell phone protection, and buyer's protection
- First Front Door
- ACNB Wealth Advisors
Products and services
- Personal and Business Checking Accounts Deposit accounts for individuals and businesses with Zelle integration, mobile access, and optional rewards packages. The Free Business Checking account is supported by a promotional offer of up to $3,000 for new accounts that establish services.
- Savings Accounts Personal savings products including traditional savings, Kids and Teens savings accounts, and Select Money Market Account offering 2.50% APY with check-writing and ATM access.
- Certificates of Deposit (CDs) Fixed-term deposit accounts with promotional offerings, including a 13-month CD at 3.75% APY and 8-month CD specials, available online or in community banking offices.
- Personal Loans and Lines of Credit Consumer borrowing products including personal loans and personal lines of credit for individuals.
- Home Equity Loans and Lines of Credit Secured lending products allowing homeowners to borrow against property equity with flexible draw periods and repayment options.
- Auto Loans Financing solutions for vehicle purchases including new and used automobile loans.
- Business Checking Accounts Business banking deposit accounts supported by a promotional offer of up to $3,000 when opening a new Free Business Checking account and establishing services.
- Business Savings Accounts Business deposit accounts for holding operational reserves and excess cash flow.
- Business Lines of Credit Revolving credit facilities for businesses providing flexible access to working capital.
- Commercial Real Estate Loans Commercial real estate financing for business property acquisition, development, and expansion.
- Business Term Loans Fixed-term business loans for equipment purchases, expansions, and other capital investments.
- Agribusiness Banking Specialized banking services for agricultural businesses including farm loans, operating lines of credit, and equipment financing.
- Treasury Management Services Cash management and treasury services for businesses including cash flow optimization and liquidity management.
- Remote Deposit Capture Electronic check deposit service allowing businesses to scan and deposit checks remotely without visiting a branch.
- Payroll Services
Quantifiable outcome
- Q1 2026 net income of $13.7 million vs. net loss of $272 thousand in Q1 2025, representing a dramatic turnaround driven by absence of merger-related expenses
- +3 more outcomes
Companies that use ACNB Corporation
Customer profileSegments4 records
Ideal customer profiles3 records
ACNB Corporation technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ACNB Corporation partnerships and signals
Strategic signalScale indicators12 records
Recent moves5 records
Expansion highlights5 records
ACNB Corporation competitors and assessment
Company assessmentDirect peers
- Orrstown Financial Services: PA-based community bank holding company with comparable asset size (~$3-4B), operating in south-central PA with similar consumer, business, and mortgage banking mix. Most direct comparable on scale, geography, and product set.
- CNB Financial Corporation: PA-headquartered community bank holding company (~$5B assets) operating across PA, OH, and NY with similar community banking model, wealth management, and insurance services. Comparable product breadth and regional orientation.
- S&T Bancorp: Western PA community bank holding company (~$9B assets) with similar community banking model, commercial lending, wealth management, and insurance services through wholly-owned subsidiaries. Directly comparable business mix.
- Univest Financial Corporation: PA-headquartered bank holding company (~$7B assets) serving PA and NJ with comparable consumer, business, and wealth management offerings including insurance subsidiary. Closely aligned business model and product suite.
- Citizens & Northern Corporation: Northern PA community bank holding company (~$2.5B assets) with similar community banking focus, mortgage lending, and trust services. Highly comparable scale and rural/regional Pennsylvania footprint.
- Mid Penn Bancorp: PA community bank holding company (~$3-4B assets) operating in central PA with consumer, business, and wealth management services. Directly comparable geographic overlap and product set.
- Sandy Spring Bancorp: MD-based bank holding company (~$14B assets) operating across MD, VA, and DC with community banking, mortgage, and wealth management. Comparable regional Mid-Atlantic footprint and product mix.
- Franklin Financial Services Corporation: South-central PA community bank holding company (~$2B assets) operating F&M Trust in Franklin, Cumberland, and surrounding counties. Highly comparable rural PA community banking model.
Broad incumbents
- Fulton Financial Corporation: Larger PA-headquartered regional bank holding company (~$30B assets) with community banking across PA, NJ, MD, DE, and VA. Competes directly in the same PA/MD footprint with overlapping banking, mortgage, and wealth services.
- Tompkins Financial Corporation: NY/PA-based regional bank holding company (~$8B assets) with community banking, wealth management, and insurance services across NY, PA, and CT. Comparable full-service community bank platform with adjacent PA presence.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ACNB Corporation social profiles
Digital presenceACNB Corporation financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACNB Corporation leadership team
Management profileNumber of profiles
Profiles1 record
ACNB Corporation subsidiaries and ownership
Company hierarchySubsidiaries4 records
ACNB Corporation funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACNB Corporation M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ACNB Corporation
What does ACNB Corporation do?
ACNB Corporation is a regional bank holding company that, through its primary subsidiary ACNB Bank, provides retail and commercial banking products including checking, savings, CDs, personal and business loans, credit cards, and treasury management. The company also delivers mortgage lending through its Traditions Mortgage division, full-service insurance agency services through ACNB Insurance Services (licensed in 46 states), and wealth management and trust services through ACNB Wealth Advisors.
Is ACNB Corporation a public or private company?
ACNB Corporation is a public company. It is classified as public and is currently operating.
When was ACNB Corporation founded?
ACNB Corporation was founded in 1857. It employs 251 to 500 people.
Where is ACNB Corporation based?
ACNB Corporation is headquartered in Gettysburg, United States, in the North America region.
How does ACNB Corporation make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are insurance Services, wealth Management and Trust Services, mortgage Banking and commercial and Retail Banking Fees.
Who are ACNB Corporation's main competitors?
Direct peers on record are Orrstown Financial Services, CNB Financial Corporation, S&T Bancorp, Univest Financial Corporation, Citizens & Northern Corporation, Mid Penn Bancorp, Sandy Spring Bancorp and Franklin Financial Services Corporation. Broad incumbents are Fulton Financial Corporation and Tompkins Financial Corporation.
Does ACNB Corporation have an API?
No public API is recorded for ACNB Corporation.
What industry is ACNB Corporation in?
ACNB Corporation's product category is Community Banking. Its primary akta.pro industry code is FSABACAM, Consumer & Retail (CPG, Food, Apparel), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 551111 and its SIC code is 6022.