ACNB Corporation is the financial holding company for ACNB Bank and ACNB Insurance Services. It provides banking, mortgage, wealth management, and insurance services through its subsidiaries. The company operates primarily in Pennsylvania and Maryland, serving individuals, businesses, and institutions in its market areas.

ACNB Corporation generates revenue primarily through dividends received from its subsidiaries, ACNB Bank and ACNB Insurance Services. ACNB Bank earns income from interest on loans, service charges on deposits, and fees from wealth management and trust services. ACNB Insurance Services generates revenue from commissions and fees on the sale of property, casualty, health, life, and disability insurance policies to personal and commercial clients.

The company operates through the following segments: Banking and Insurance Services.

• The Banking segment includes ACNB Bank, which offers commercial lending, consumer lending, mortgage lending through Traditions Mortgage, trust and investment services under ACNB Wealth Management, and retail brokerage services via a third-party provider. The Bank serves its marketplace through 33 community banking offices and two loan offices in Pennsylvania and Maryland.

• The Insurance Services segment consists of ACNB Insurance Services, a full-service insurance agency licensed in 46 states. It offers property, casualty, health, life, and disability insurance to both commercial and individual clients from offices in Westminster, Maryland, and Gettysburg, Pennsylvania.

ACNB Corporation operates in a highly competitive financial services industry, facing competition from commercial banks, thrifts, credit unions, finance and mortgage companies, and other nonbank providers. Its competitive advantages stem from its deep community roots, local market knowledge, and ability to offer integrated banking and insurance services through its subsidiaries. The company has grown through strategic acquisitions while maintaining a focus on relationship-based banking and personalized service.

ACNB Corporation serves a diverse customer base including individuals, families, small and medium-sized businesses, agricultural operators, healthcare providers, educational institutions, local governments, and commercial enterprises across its market areas in south-central Pennsylvania and northern Maryland. The company does not disclose specific customer names in the filing.