ACNB Corp
acnb.comWhat Do They Do?
Provides banking, mortgage and insurance services to individuals and businesses.
10-K for FY2025, filed Mar 12, 2026
How Do They Make Money?
The bank earns interest on loans and investments, less the interest it pays on deposits and borrowings. It also collects service fees, wealth-management charges and commissions; insurance commissions are earned when a customer transaction is complete.
10-K for FY2025, filed Mar 12, 2026The primary source of the Corporation’s revenues is net interest income derived from interest earned on loans and investments, less deposit…View ↗
Revenue RecognitionView ↗
Insurance Commissions — Commission income is earned based on customers transactions. The commission income is recognized when the…View ↗
The majority of trust and investment services revenue is earned and collected monthly, with the amount determined based on the market value…View ↗
The wealth advisory services revenue is predominantly realized through commissions generated from client transactions. Commission income is…View ↗
Service charges on deposit accounts — Deposits are included as liabilities in the Statement of Condition. Service charges on deposit…View ↗
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10-K for FY2025, filed Mar 12, 2026
FY2025 revenue by reportable segment (Interest income) ↗
$191.8M
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10-K for FY2025, filed Mar 12, 2026
$191.8M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Banking
|
100%
FY2022: 100%
|
Banking, FY2025
$163.2M Sources
|
|
|
Insurance
Sold outright
|
0.0%
FY2022: 0.0%
|
Insurance, FY2025
$3K Sources
|
Sold outright |
Who Are Their Customers?
Individuals and businesses use the bank for lending, deposits, mortgages and wealth services, and buy insurance through ACNB Insurance Services. Wealth-management clients are primarily in the company’s market area.
10-K for FY2025, filed Mar 12, 2026ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB…View ↗
Commercial lending includes commercial mortgages, real estate development and construction loans, accounts receivable and inventory…View ↗
The Bank, through its trust and investment services group, under the umbrella of ACNB Wealth Management, is named as trustee of financial…View ↗
ACNB Corporation’s wholly-owned subsidiary, ACNB Insurance Services, is a full-service insurance agency, licensed to do business in 46…View ↗
Wealth Management — The Bank provides wealth management services under the umbrella of ACNB Wealth Management which includes trust and…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 27 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
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Apr 29, 2026
ACNB declared regular and special dividends and authorized a new share repurchase plan
The board declared a one-time special dividend and approved a plan to repurchase up to 310,000 shares.
Sources
8-K, filed Apr 29, 2026
ACNB has fully completed its share repurchase program authorized in June 2025, and on April 28, 2026 the Board of ACNB approved a new plan…View ↗
Growing. Revenue grew 2.5x in 4 years, from $78.2M in FY2021 to $191.8M in FY2025, about 25% a year.
Added a mortgage service
The latest report describes mortgage lending through Traditions Mortgage, a division of ACNB Bank; the older report described mortgage lending programs but did not name this division.
10-K for FY2022, filed Mar 3, 2023 10-K for FY2025, filed Mar 12, 2026Commercial lending includes commercial mortgages, real estate development and construction loans, accounts receivable and inventory…View ↗
Commercial lending includes commercial mortgages, real estate development and construction loans, accounts receivable and inventory…View ↗
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