ACNB is a community bank holding company headquartered in Gettysburg, Pennsylvania, serving South-central Pennsylvania and Northern Maryland. Its core subsidiary, ACNB Bank, offers commercial banking, consumer lending, mortgage lending, and wealth management to individuals, businesses, farmers, and local governments across a 33-branch network spanning nine counties. ACNB Bank earns money the way most community banks do: it takes in deposits and lends at higher rates, capturing a net interest margin on the spread. At year-end 2025, ACNB Bank had $2.33B in net loans and $2.48B in total deposits, with $3.21B in total assets. Beyond net interest income, ACNB generates fee income through wealth management (trust and brokerage services), mortgage origination and servicing fees via its Traditions Mortgage division, and insurance commissions. ACNB Wealth Management had roughly $445M in trust assets under management at year-end 2025. ACNB also operates ACNB Insurance Services, a full-service independent insurance agency licensed in 46 states, offering personal and commercial property, casualty, health, life, and disability insurance — though it is a small unit relative to the bank. ACNB has grown primarily through acquisitions of community banks within its footprint, most recently acquiring Traditions Bancorp in February 2025, which added eight offices in York County, Pennsylvania.