ACNB Corporation is a regional financial holding company that operates primarily through its wholly-owned subsidiaries, ACNB Bank and ACNB Insurance Services, Inc. Originally founded in 1857, ACNB Bank provides conventional banking services, including checking and savings accounts, time deposits, and debit cards. The bank's lending portfolio encompasses commercial mortgages, real estate development and construction loans, agricultural loans, and consumer loans such as home equity lines of credit. Additionally, ACNB Bank offers wealth management, trust, and retail brokerage services to its clientele.
The company's insurance subsidiary, ACNB Insurance Services, operates as a full-service agency licensed in over 40 states, though its primary focus is on the Pennsylvania and Maryland markets. It provides a comprehensive suite of property, casualty, health, life, and disability insurance products for both personal and commercial clients. ACNB Corporation generates the vast majority of its revenue from traditional banking operations, specifically net interest income derived from its loan and deposit activities. This is supplemented by non-interest income from wealth management fees, insurance commissions, and mortgage banking activities. The company expanded its footprint significantly with the acquisition of Traditions Bancorp in 2025, enhancing its presence in the York and Lancaster counties of Pennsylvania. ACNB Corporation operates a network of over 30 community banking offices and loan production offices across its core geographic footprint.
