ACNB Corp (NASDAQ: ACNB) is a Pennsylvania-based bank holding company that operates ACNB Bank, a full-service commercial bank serving south-central Pennsylvania and northern Maryland. The company earns money primarily through net interest income on loans and deposits, with additional fee income from mortgage origination and trust services. ACNB Bank operates 33 community banking offices across Adams, York, Cumberland, Franklin, and Lancaster Counties in Pennsylvania, and Carroll and Frederick Counties in Maryland, with its main office at 16 Lincoln Square, Gettysburg, Pennsylvania. As of December 31, 2025, the bank held total assets of $3.21 billion, total loans net of unearned income of $2.33 billion, total deposits of $2.48 billion, and total equity capital of $398.3 million. The loan portfolio is concentrated in commercial real estate ($1.27 billion, 54.6% of gross loans), residential mortgage ($599.1 million, 25.7%), commercial and industrial ($205.5 million, 8.8%), home equity lines of credit ($127.3 million, 5.5%), and real estate construction ($116.7 million, 5.0%), as of December 31, 2025. James P. Helt serves as President and Chief Executive Officer.

Revenue model

Net interest income from loans and deposits is the primary revenue driver, supplemented by fee income from mortgage loans originated for sale and earnings on bank-owned life insurance. The bank operates on a traditional spread-lending model, funding loans with retail and commercial deposits.

Products and services

Commercial real estate loans, residential mortgage loans, commercial and industrial loans, home equity lines of credit, real estate construction loans, consumer loans, mortgage origination for sale, deposit accounts (interest-bearing and noninterest-bearing), and trust and wealth management services through ACNB Bank.

Customers and end markets

Retail and commercial customers in south-central Pennsylvania and northern Maryland. The local economy spans agriculture, industry, tourism, education, healthcare, and local government, with no single sector dominating demand per the FY2025 10-K.

Value-chain role

Community bank and direct lender. ACNB Bank originates, holds, and in some cases sells loans, takes deposits, and provides trust services directly to retail and commercial customers in its defined geographic market areas.

Geographic exposure

South-central Pennsylvania (Adams, York, Cumberland, Franklin, and Lancaster Counties, 24 offices) and northern Maryland (Carroll and Frederick Counties, 9 offices), as of December 31, 2025.

Source: SEC 10-K, filed 2026-03-12

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