It's like a community-focused PNC Bank that also operates a State Farm insurance agency.

• Deposit Accounts: ACNB offers a variety of checking, savings, money market, and time deposit accounts.
• Commercial Lending: The company provides diverse commercial lending products including mortgages, construction, inventory financing, and agricultural loans.
• Consumer Lending: ACNB offers consumer loans such as home equity, auto, RV, manufactured housing, and personal lines of credit.
• Mortgage Lending: Residential and investment mortgage loans, including for construction, are available through ACNB.
• Trust and Wealth Management Services: Services include the management of various trusts, guardianships, custodial accounts, and investment advisory.
• Insurance Products: ACNB provides property, casualty, health, life, and disability insurance for commercial and individual clients.
• Retail Brokerage Services: The company offers retail brokerage services to its clients.
• Digital and ATM Banking: Convenient online, telephone, mobile banking, and ATM services are available.

ACNB Corporation, a financial holding company, serves a diverse customer base, including both individuals and businesses within its operational footprint. Given its wide range of banking, lending, insurance, and wealth management services catering to a broad local community, it primarily serves a multitude of individual consumers and a large number of small to medium-sized local businesses, rather than a few major corporate clients. Therefore, its major customers can be categorized as:

• Individual Consumers and Households: This category includes individuals and families who utilize ACNB's personal banking products and services. These offerings comprise checking, savings, and money market deposit accounts, debit cards, consumer lending products (such as home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit), personal residential mortgages, and various personal insurance products (life, health, and disability).

• Small to Medium-Sized Businesses, Agricultural Enterprises, and Government Entities: This category consists of local commercial businesses, real estate developers, construction companies, agricultural operations, and governmental bodies. These customers benefit from ACNB's commercial lending products, which include commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans. They also utilize property and casualty, health, and disability insurance for their business needs.

• Wealth Management and Trust Clients: This segment primarily serves individuals and families seeking specialized financial planning, trust, and investment management services. Clients in this category engage ACNB for services related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, and retail brokerage services, focusing on wealth preservation, growth, and estate planning.

James P. Helt President & Chief Executive Officer

James P. Helt was appointed President & Chief Executive Officer of ACNB Corporation and ACNB Bank effective May 5, 2017. He has been a member of the Corporation's Board of Directors since 2017 and ACNB Bank's Board of Directors since 2015. Before becoming CEO, he served as President of ACNB Bank starting September 1, 2015, and as Executive Vice President of Banking Services for ACNB Bank from 2008 to 2015. Mr. Helt has over 30 years of experience in the financial services industry.

Jason H. Weber Executive Vice President, Treasurer & Chief Financial Officer

Jason H. Weber assumed the role of Executive Vice President, Treasurer & Chief Financial Officer of ACNB Corporation and ACNB Bank on June 1, 2022. He joined the organization on January 31, 2022, as Executive Vice President/Finance, as part of a planned succession for the CFO position. Previously, Mr. Weber was the director of corporate development and financial planning and analysis at Fulton Financial Corporation in Lancaster, PA. His professional background also includes experience in balance sheet management at a large regional bank, investment banking, and sell-side equity research.

Laurie A. Laub Executive Vice President; Chief Credit Officer of ACNB Bank

Laurie A. Laub serves as Executive Vice President and Chief Credit Officer of ACNB Bank. She became part of the ACNB Bank team in 2005.

Douglas A. Seibel Executive Vice President; Chief Lending Officer of ACNB Bank

Douglas A. Seibel holds the position of Executive Vice President and Chief Lending Officer of ACNB Bank. He joined ACNB Bank in 2008.

Brett D. Fulk Executive Vice President; Chief Strategy Officer of ACNB Bank

Brett D. Fulk is the Executive Vice President and Chief Strategy Officer of ACNB Bank. His employment agreement, along with that of the CFO, was amended in February 2026 to increase change in control payouts.

1. Interest Rate Risk: Fluctuations in interest rates can significantly impact ACNB's profitability. Changes in interest rates affect the level and composition of deposits, loan demand, and the values of loan collateral, securities, and interest rate protection agreements. This can lead to decreased net interest income and impact the overall financial condition of the Corporation.
2. Credit Risk and Economic Conditions: The company's financial performance is highly susceptible to general economic conditions, particularly within its primary market areas in South-central Pennsylvania and Northern Maryland. Adverse economic trends can impact loan demand and, more critically, the ability of loan customers to repay their obligations, potentially leading to increased loan losses and impaired assets.
3. Competition and Cybersecurity Risks: ACNB faces substantial competition from a wide array of financial institutions, including other banks, credit unions, and non-bank financial service providers. This intense competition can compress margins by reducing loan origination, lowering interest rates on loans, or increasing the cost of attracting and retaining deposits. Additionally, the continually evolving landscape of cybersecurity threats poses significant risks. Potential cyberattacks or technological disruptions could result in financial losses, reputational damage, regulatory penalties, and increased operational costs.

ACNB Corporation - Addressable Market Sizes

Banking Services (Deposits and Lending)

• The total assets for all banking institutions in Pennsylvania, serving as a proxy for the banking market size, were approximately $335.98 billion in the third quarter of 2025.
• The total assets for all banking institutions in Maryland, serving as a proxy for the banking market size, were approximately $51.85 billion in the third quarter of 2025.
• Community banks in Maryland held total deposits of approximately $55.36 billion as of December 13, 2024.
• For community banking organizations in the tristate area (Pennsylvania, New Jersey, and Delaware), total assets were $205.1 billion and total loans were $151.9 billion as of the fourth quarter of 2023.
• In Maryland, reporting banks issued $6.3 billion in new loans to businesses with revenues of $1 million or less in 2021.

Insurance Products

• The Health & Medical Insurance industry in Maryland is projected to have a market size of $27.2 billion in 2026.
• In Pennsylvania, insurance companies provided medical coverage for nearly 13 million people as of June 30, 2024.
• The Property, Casualty and Direct Insurance industry in Pennsylvania experienced an average annual growth rate of 3.4% from 2020 to 2025. A specific total market size in USD was not provided in the search results.
• In Pennsylvania, 6.1 million individual life insurance policies were in force in 2021, with $11.8 billion paid out in life insurance and annuity benefits to Pennsylvania families in the same year. A specific total market size in USD for life insurance premiums was not provided in the search results.

Wealth Management and Financial Services

• The Portfolio Management & Investment Advice industry in Pennsylvania is projected to have a market size of $24.3 billion in 2026.
• For Maryland, a specific addressable market size for wealth management was not found in the provided search results.

ACNB Corporation (ACNB) is expected to drive future revenue growth over the next two to three years through several key strategies:

1. Strategic Acquisition and Market Expansion: The acquisition of Traditions Bancorp, Inc., completed on February 1, 2025, is a primary driver. This strategic move significantly expanded ACNB's market presence to 35 community banking offices across south-central Pennsylvania and northern Maryland, particularly enhancing its footprint in the growing York and Lancaster county markets. This expansion is anticipated to lead to accessing new customer bases and increased loan and deposit volumes.
2. Loan Portfolio Expansion and Net Interest Income Growth: The Traditions Bancorp acquisition immediately bolstered ACNB's commercial and residential mortgage offerings, contributing to strong loan growth. The company also expects an improved net interest margin (NIM) due to strategic acquisitions and acquisition accounting adjustments on acquired portfolios.
3. Diversification of Revenue Streams: ACNB is focused on diversifying its revenue streams beyond traditional banking services through its wealth management and insurance divisions. The company offers a full suite of financial products, including banking, wealth management, and insurance, which creates cross-selling opportunities and aims for greater revenue stability. Wealth management income and insurance commissions are noted as drivers of non-interest income.
4. Technology Integration and Digital Capabilities: ACNB is investing in digital capabilities and technology integration to enhance customer acquisition strategies, improve operational efficiency, and support long-term growth. This includes system integration following the Traditions Bancorp acquisition and exploring advanced tools like AI.

Share Repurchases

• ACNB Corporation's Board of Directors approved a new plan in June 2025 to repurchase up to 314,000 shares of its common stock, representing approximately 3.0% of outstanding shares. This program superseded any earlier announced repurchase plans.
• The timing and amount of any repurchases are at management's discretion and depend on factors such as the company's capital position, liquidity, financial performance, market price, and economic conditions.

Share Issuance

• On March 12, 2026, ACNB Corporation privately placed $15 million of 5.875% fixed-to-floating rate subordinated notes due March 15, 2036, with institutional accredited investors and qualified institutional buyers.
• The net proceeds from the issuance of these subordinated notes are intended for general corporate purposes, including the potential redemption of outstanding 4.00% fixed-to-floating subordinated notes due March 31, 2031, to optimize the company's capital structure and funding costs.
• As of its last 12-month financial report (covering up to 2025), ACNB's Common Stock Issued was $249.0K.

Outbound Investments

• ACNB Corporation completed the acquisition of Traditions Bancorp, Inc. on February 1, 2025, which significantly increased its balance sheet and expanded its branch network by adding $877.7 million in assets.
• In 2025, the company repositioned its investment portfolio by selling $74.6 million of low-yield available-for-sale securities, resulting in a $2.8 million after-tax loss, and subsequently purchasing higher-yield agency securities. This repositioning is anticipated to improve investment securities interest income by approximately $2.6 million over the subsequent 12 months.