ACNB Corporation

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

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

• Community banking services
• Commercial lending products
• Wealth management services
• Mortgage origination
• Insurance agency services

Headquarters

HQ city

Gettysburg

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. Mortgage Banking: Revenue from mortgage originations through Traditions Mortgage, A Division of ACNB Bank, including purchase mortgages, refinance, construction, and specialty mortgage products.
5. 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

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core 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

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators12 records

Recent moves5 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/channel/UCNYkc4_XqhkKUUBrrxH2OIg
• Facebookfacebook.com/acnbbank
• LinkedInlinkedin.com/company/acnbbank
• Instagraminstagram.com/acnbbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ACNB Corporation