ACNB on Nasdaq
ACNB CORP
In its 2026 annual report the company says: “ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland.”4
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Last updated Oct 21, 2026.
Overview
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- TickerACNB on Nasdaq1
- IndustryState Commercial Banks1
- HeadquartersGettysburg, Pennsylvania1
- Incorporated inPA2
- Business address16 Lincoln Square, P O Box 3129, Gettysburg, Pa 173252
- Filer categoryAccelerated filer2
- Legal formCorporation
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ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland. Originally founded in 1857, ACNB Bank serves its marketplace with banking, mortgage and wealth management services, including trust and retail brokerage, via a network of 33 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Berks, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. ACNB Insurance Services, the Corporation’s insurance subsidiary, is a full-service agency licensed to do business in 46 states. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster,…4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Mortgage Banking brought in 29% of the revenue ACNB CORP broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Mortgage Banking | $56.0K | $301.0K | $5.3M |
| Deposit Account | $4.0M | $4.1M | $4.8M |
| Fiduciary and Trust | $3.6M | $4.2M | $4.5M |
| ATM Service Charges and Debit Card Transactions | $3.3M | $3.3M | $3.6M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs55¢$105.2M
- Interest21¢$40.1M
- Income tax5¢$9.4M
- Profit19¢$37.1M
Out of $191.8M in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Capital spending2¢$1.1M
- Dividends paid27¢$14.4M
- Share buybacks21¢$11.2M
- Kept or used elsewhere50¢$27.0M
Out of $53.6M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Taxable | $142.5M | $90.5M | $79.4M |
| Tax-exempt | $1.3M | $1.2M | $1.4M |
| Taxable | $13.2M | $10.7M | $11.0M |
| Tax-exempt | $1.1M | $1.1M | $1.2M |
| Dividends | $1.3M | $970.0K | $331.0K |
| Other | $3.8M | $2.8M | $3.3M |
| Total Interest and Dividend Income | $163.2M | $107.5M | $96.6M |
| Deposits | $26.7M | $11.2M | $3.7M |
| Short-term borrowings | $1.6M | $859.0K | $898.0K |
| Long-term borrowings | $11.8M | $11.8M | $3.7M |
| Total Interest Expense | $40.1M | $23.9M | $8.3M |
| Net Interest Income | $123.1M | $83.6M | $88.3M |
| Provision for (reversal of) credit losses | $5.3M | -$2.4M | $860.0K |
| Reversal of provision for unfunded commitments | -$532.0K | -$326.0K | -$16.0K |
| Net Interest Income after Provisions for (Reversals of) Credit Losses and Unfunded Commitments | $118.4M | $86.4M | $87.5M |
| Insurance commissions | $9.5M | $9.8M | $9.3M |
| Earnings on investment in bank-owned life insurance | $2.6M | $2.0M | $1.9M |
| Gain on life insurance proceeds | $285.0K | $0 | $0 |
| Net (losses) gains on sales or calls of investment securities | -$3.5M | $69.0K | -$5.2M |
| Net gains (losses) on equity securities | $30.0K | -$9.0K | $18.0K |
| Gain on assets held for sale | $0 | $0 | $337.0K |
| Other | $1.6M | $963.0K | $1.1M |
| Total Noninterest Income | $28.6M | $24.7M | $18.4M |
| Salaries and employee benefits | $52.8M | $42.9M | $40.9M |
| Equipment | $9.5M | $7.3M | $6.5M |
| Net occupancy | $5.2M | $4.2M | $3.9M |
| Professional services | $2.7M | $2.1M | $2.3M |
| Other tax | $1.8M | $1.4M | $1.3M |
| FDIC and regulatory | $1.8M | $1.4M | $1.4M |
| Intangible assets amortization | $4.3M | $1.2M | $1.4M |
| Merger-related | $10.7M | $2.0M | $0 |
| Other | $11.8M | $8.0M | $8.3M |
| Total Noninterest Expenses | $100.5M | $70.7M | $66.1M |
| Income Before Income Taxes | $46.5M | $40.4M | $39.8M |
| Income taxes | $9.4M | $8.6M | $8.2M |
| Net Income | $37.1M | $31.8M | $31.7M |
| Basic earnings | $3.61 | $3.75 | $3.72 |
| Diluted earnings | $3.60 | $3.73 | $3.71 |
| Weighted average shares outstanding, basic (in shares) | 10.3M shares | 8.5M shares | 8.5M shares |
| Weighted average shares outstanding, diluted (in shares) | 10.3M shares | 8.5M shares | 8.5M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $20.6M | $16.4M | ||
| Interest-bearing deposits with banks | $45.0M | $30.9M | ||
| Total Cash and Cash Equivalents | $65.6M | $47.3M | ||
| Equity securities with readily determinable fair values | $949.0K | $919.0K | $928.0K | $1.7M |
| Investment securities available for sale, at estimated fair value | $466.9M | $394.0M | ||
| Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924) | $63.3M | $64.6M | ||
| Loans held for sale | $28.2M | $426.0K | ||
| Total loans, net of unearned income | $2.3B | $1.7B | ||
| Less: Allowance for credit losses | -$23.7M | -$17.3M | -$20.0M | -$17.9M |
| Loans, net | $2.3B | $1.7B | $1.5B | |
| Premises and equipment, net | $30.6M | $25.5M | ||
| Right of use asset | $4.2M | $2.7M | ||
| Restricted investment in bank stocks | $14.2M | $10.9M | ||
| Investment in bank-owned life insurance | $105.8M | $81.8M | ||
| Investments in low-income housing partnerships | $751.0K | $877.0K | ||
| Goodwill | $64.4M | $44.2M | $44.2M | |
| Intangible assets, net | $22.4M | $7.8M | $9.1M | $10.3M |
| Assets held for sale | $275.0K | $0 | ||
| Foreclosed assets held for resale | $19.0K | $438.0K | ||
| Other assets | $53.5M | $47.9M | ||
| Total Assets | $3.2B | $2.4B | $2.4B | |
| Deposits: Non-interest bearing | $553.9M | $451.5M | ||
| Deposits: Interest bearing | $1.9B | $1.3B | ||
| Total Deposits | $2.5B | $1.8B | ||
| Short-term borrowings | $64.7M | $15.8M | ||
| Long-term borrowings | $255.4M | $255.3M | ||
| Lease liability | $4.5M | $2.8M | ||
| Allowance for unfunded commitments | $1.8M | $1.4M | $92.0K | |
| Other liabilities | $31.6M | $23.7M | ||
| Total Liabilities | $2.8B | $2.1B | ||
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2025 and 2024 | $0 | $0 | ||
| Common stock, $2.50 par value; 20,000,000 shares authorized; 11,028,152 and 8,945,293 shares issued; 10,372,251 and 8,553,785 shares outstanding at December 31, 2025 and 2024, respectively | $27.6M | $22.4M | ||
| Treasury stock, at cost 655,901 and 391,508 shares at December 31, 2025 and 2024, respectively | -$22.4M | -$11.2M | ||
| Additional paid-in capital | $179.7M | $99.2M | ||
| Retained earnings | $257.3M | $234.6M | $245.0M | |
| Accumulated other comprehensive loss | -$22.2M | -$41.7M | ||
| Total Stockholders Equity | $420.0M | $303.3M | $277.5M | $245.0M |
| Total Liabilities and Stockholders Equity | $3.2B | $2.4B | ||
| Securities held to maturity, fair value | $57.5M | $56.9M | ||
| Preferred stock, par value | $2.50 | $2.50 | ||
| Preferred stock, shares authorized | 20.0M shares | 20.0M shares | ||
| Preferred stock, shares outstanding | 0 shares | 0 shares | ||
| Common stock, par value | $2.50 | $2.50 | ||
| Common stock, shares authorized | 20.0M shares | 20.0M shares | ||
| Common stock, shares issued | 11.0M shares | 8.9M shares | ||
| Common stock, shares outstanding | 10.4M shares | 8.6M shares | ||
| Treasury stock, shares | 655.9K shares | 391.5K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $20.6M | $16.4M | ||
| Interest-bearing deposits with banks | $45.0M | $30.9M | ||
| Total Cash and Cash Equivalents | $65.6M | $47.3M | ||
| Equity securities with readily determinable fair values | $949.0K | $919.0K | $928.0K | $1.7M |
| Investment securities available for sale, at estimated fair value | $466.9M | $394.0M | ||
| Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924) | $63.3M | $64.6M | ||
| Loans held for sale | $28.2M | $426.0K | ||
| Total loans, net of unearned income | $2.3B | $1.7B | ||
| Less: Allowance for credit losses | -$23.7M | -$17.3M | -$20.0M | -$17.9M |
| Loans, net | $2.3B | $1.7B | $1.5B | |
| Premises and equipment, net | $30.6M | $25.5M | ||
| Right of use asset | $4.2M | $2.7M | ||
| Restricted investment in bank stocks | $14.2M | $10.9M | ||
| Investment in bank-owned life insurance | $105.8M | $81.8M | ||
| Investments in low-income housing partnerships | $751.0K | $877.0K | ||
| Goodwill | $64.4M | $44.2M | $44.2M | |
| Intangible assets, net | $22.4M | $7.8M | $9.1M | $10.3M |
| Assets held for sale | $275.0K | $0 | ||
| Foreclosed assets held for resale | $19.0K | $438.0K | ||
| Other assets | $53.5M | $47.9M | ||
| Total Assets | $3.2B | $2.4B | $2.4B | |
| Deposits: Non-interest bearing | $553.9M | $451.5M | ||
| Deposits: Interest bearing | $1.9B | $1.3B | ||
| Total Deposits | $2.5B | $1.8B | ||
| Short-term borrowings | $64.7M | $15.8M | ||
| Long-term borrowings | $255.4M | $255.3M | ||
| Lease liability | $4.5M | $2.8M | ||
| Allowance for unfunded commitments | $1.8M | $1.4M | $92.0K | |
| Other liabilities | $31.6M | $23.7M | ||
| Total Liabilities | $2.8B | $2.1B | ||
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2025 and 2024 | $0 | $0 | ||
| Common stock, $2.50 par value; 20,000,000 shares authorized; 11,028,152 and 8,945,293 shares issued; 10,372,251 and 8,553,785 shares outstanding at December 31, 2025 and 2024, respectively | $27.6M | $22.4M | ||
| Treasury stock, at cost 655,901 and 391,508 shares at December 31, 2025 and 2024, respectively | -$22.4M | -$11.2M | ||
| Additional paid-in capital | $179.7M | $99.2M | ||
| Retained earnings | $257.3M | $234.6M | $245.0M | |
| Accumulated other comprehensive loss | -$22.2M | -$41.7M | ||
| Total Stockholders Equity | $420.0M | $303.3M | $277.5M | $245.0M |
| Total Liabilities and Stockholders Equity | $3.2B | $2.4B | ||
| Securities held to maturity, fair value | $57.5M | $56.9M | ||
| Preferred stock, par value | $2.50 | $2.50 | ||
| Preferred stock, shares authorized | 20.0M shares | 20.0M shares | ||
| Preferred stock, shares outstanding | 0 shares | 0 shares | ||
| Common stock, par value | $2.50 | $2.50 | ||
| Common stock, shares authorized | 20.0M shares | 20.0M shares | ||
| Common stock, shares issued | 11.0M shares | 8.9M shares | ||
| Common stock, shares outstanding | 10.4M shares | 8.6M shares | ||
| Treasury stock, shares | 655.9K shares | 391.5K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $37.1M | $31.8M | $31.7M |
| Gain on sales of loans originated for sale | -$5.3M | -$301.0K | -$56.0K |
| Earnings on investment in bank-owned life insurance | -$2.6M | -$2.0M | -$1.9M |
| Net losses (gains) on sales or calls of investment securities | $3.5M | -$69.0K | $5.2M |
| Net (gains) losses on equity securities | -$30.0K | $9.0K | -$18.0K |
| Gain on sales of assets held for sale | $0 | $0 | -$337.0K |
| Restricted stock compensation expense | $1.4M | $1.3M | $1.0M |
| Depreciation and amortization | $6.7M | $3.0M | $3.4M |
| Net Amortization Of Purchase Accounting Adjustments | $7.7M | $0 | $0 |
| Provision for (reversal of) credit losses and unfunded commitments | $4.7M | -$2.8M | $844.0K |
| Net amortization of investment securities premiums | $1.2M | $1.7M | $690.0K |
| Decrease (increase) in interest receivable | $155.0K | -$109.0K | -$1.2M |
| (Decrease) increase in interest payable | -$778.0K | $757.0K | $743.0K |
| Mortgage loans originated for sale | -$194.6M | -$13.1M | -$2.6M |
| Proceeds from sales of loans originated for sale | $184.7M | $13.2M | $2.5M |
| Decrease (increase) in other assets | $6.4M | $5.4M | -$7.4M |
| Deferred income tax | $3.6M | $779.0K | $2.4M |
| (Decrease) increase in other liabilities | -$285.0K | $108.0K | $5.7M |
| Net Cash Provided by Operating Activities | $53.6M | $39.8M | $40.6M |
| Proceeds from calls/maturities of investment securities held to maturity | $1.7M | $727.0K | $1.1M |
| Proceeds from calls/maturities of investment securities available for sale | $57.5M | $44.7M | $32.6M |
| Proceeds from sales of investment securities available for sale | $169.3M | $14.3M | $125.2M |
| Proceeds from sales of equity securities | $0 | $0 | $592.0K |
| Purchase of investment securities available for sale | -$183.0M | $0 | -$48.8M |
| Net purchases of restricted investment in bank stocks | -$61.0K | -$1.2M | -$8.0M |
| Net increase in loans | -$7.3M | -$55.2M | -$89.6M |
| Purchase of bank-owned life insurance | -$8.3M | $0 | $0 |
| Gain on life insurance proceeds | -$285.0K | $0 | $0 |
| Net cash and cash equivalents received from acquisition | $36.2M | $0 | $0 |
| Acquisition of insurance books of business/agency | $0 | $0 | -$174.0K |
| Capital expenditures | -$1.1M | -$960.0K | -$1.2M |
| Proceeds from sales of assets held for sale | $0 | $0 | $3.7M |
| Net Cash Provided by Investing Activities | $64.6M | $2.4M | $15.4M |
| Net decrease in noninterest-bearing deposits | -$8.0M | -$48.8M | -$94.7M |
| Net decrease in interest-bearing deposits | -$75.7M | -$20.5M | -$242.4M |
| Net increase (decrease) in short-term borrowings | $48.9M | -$41.1M | $14.9M |
| Proceeds from long-term borrowings | $0 | $60.0M | $175.0M |
| Repayments on long-term borrowings | -$40.2M | $0 | $0 |
| Dividends paid | -$14.4M | -$10.7M | -$9.7M |
| Common stock repurchased | -$11.2M | -$249.0K | -$2.0M |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | $642.0K | $424.0K | $721.0K |
| Net Cash Used in Financing Activities | -$99.9M | -$60.9M | -$158.2M |
| Net Increase (Decrease) in Cash and Cash Equivalents | $18.4M | -$18.7M | -$102.2M |
| Cash paid for interest | $39.5M | $23.1M | $7.2M |
| Cash paid for Federal income taxes | $4.9M | $6.0M | $9.0M |
| Cash paid for State income taxes | $417.0K | $578.0K | $1.0M |
| Recognition of operating lease right of use assets | $729.0K | $0 | $126.0K |
| Recognition of operating lease liabilities | $729.0K | $0 | $126.0K |
| Premises and equipment, net transferred to assets held for sale | $275.0K | $0 | $0 |
| Loans transferred to foreclosed assets held for resale and other foreclosed transactions | $0 | $32.0K | $0 |
| Net assets acquired | $877.6M | $0 | $0 |
| Liabilities assumed | $793.9M | $0 | $0 |
| Common shares issued | $83.6M | $0 | $0 |
No quarter-by-quarter statement was filed.
Corporate structure
ACNB CORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of ACNB CORP
- FMR LLC Filed SCHEDULE 13G/A on ACNB CORP, latest Apr 29, 2026 (4 filings since Feb 9, 2022)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on ACNB CORP, latest Mar 26, 2026 (5 filings since Nov 4, 2024)
- BlackRock Filed SC 13G/A on ACNB CORP, latest Jan 29, 2024 (2 filings since Feb 3, 2023)
- ACNB CORP Gettysburg, Pennsylvania
- The Registrant has the following subsidiaries: ACNB Bank, a Pennsylvania state-chartered commercial bank and trust company and ACNB Insurance Services, Inc., incorporated in the State of Subsidiary · Maryland, United States
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What ACNB CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $59.9M5 Dec 31, 2025 | $53.6M5 Dec 31, 2024 | +11.7% |
| Accumulated depreciation | $29.2M5 Dec 31, 2025 | $28.1M5 Dec 31, 2024 | +3.9% |
| Property and equipment, net | $30.6M5 Dec 31, 2025 | $25.5M5 Dec 31, 2024 | +20.4% |
| Operating-lease assets (leased space) | $4.2M5 Dec 31, 2025 | $2.7M5 Dec 31, 2024 | +56.0% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $65.6M5 Dec 31, 2025 | $47.3M5 Dec 31, 2024 | +38.9% |
| Debt securities available for sale | $466.9M5 Dec 31, 2025 | $394.0M5 Dec 31, 2024 | +18.5% |
| Debt securities held to maturity | $63.3M5 Dec 31, 2025 | $64.6M5 Dec 31, 2024 | −2.0% |
| Deposits held (banks) | $2.5B5 Dec 31, 2025 | $1.8B5 Dec 31, 2024 | +36.7% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $64.4M5 Dec 31, 2025 | $44.2M5 Dec 31, 2024 | +45.9% |
| Intangible assets, net (excluding goodwill) | $22.4M5 Dec 31, 2025 | $7.8M5 Dec 31, 2024 | +186.2% |
| Finite-lived intangibles, gross | $41.2M5 Dec 31, 2025 | $22.3M5 Dec 31, 2024 | +84.5% |
| Accumulated amortization | $18.7M5 Dec 31, 2025 | $14.5M5 Dec 31, 2024 | +29.4% |
| Finite-lived intangibles, net | $22.4M5 Dec 31, 2025 | $7.8M6 Dec 31, 2024 | +186.2% |
Properties, in its own words
The Corporation’s main operations center is located in Gettysburg, Pennsylvania. There are 29 owned and 12 leased buildings, including Community Banking, Insurance and Loan Production offices. All properties are suitable for their intended purposes.
Item 2 of the 10-K filed Mar 12, 2026.4
Leadership
Who has led ACNB CORP, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
- Chief executive officerJames Helt Jun 19, 2017 to now13
- Chief executive officerThomas A. Ritter May 22, 2006 to Feb 14, 201714
- ChairRonald L. Hankey May 28, 2008 to Jan 16, 201315
- PresidentJames Helt Jun 20, 2016 to now16
- PresidentThomas A. Ritter May 22, 2006 to Feb 14, 201714
- Chief financial officerJason H. Weber Mar 21, 2023 to now17
- Chief financial officerDavid W. Cathell Sep 4, 2007 to Mar 18, 202218
Board members and other officers (28)
- SVP/Secretary & CGOKevin J. Hayes Apr 6, 2023 to now19
- ACNB Bank EVPDouglas A. Seibel Mar 21, 2018 to Mar 21, 201820
- ACNB Bank EVPLaurie A. Laub Mar 21, 2018 to Mar 21, 201821
- ACNB Bank EVP/Banking ServicesJames Helt Jun 23, 2015 to Jun 23, 201522
- Principal Financial OfficerDavid W. Cathell May 16, 2006 to Nov 16, 200623
- EVP, Secretary & TreasurerLynda L. Glass Nov 22, 2006 to Mar 21, 202324
- Board memberElizabeth F. Carson Feb 7, 2025 to now25
- Board memberEugene J. Draganosky Feb 7, 2025 to now26
- Board memberJohn M. Polli Feb 10, 2025 to now27
- Board memberAlexandra C. Chiaruttini May 15, 2024 to now28
- Board memberKimberly S. Chaney Jan 21, 2020 to now29
- Board memberJames Helt Jun 19, 2017 to now13
- Board memberTodd L. Herring Jul 6, 2017 to now30
- Board memberRichard Lee Alloway Ii. May 7, 2015 to Mar 20, 202031
- Board memberDonna M. Newell May 9, 2012 to now32
- Board memberHarry L. Wheeler Jun 20, 2012 to Mar 20, 201533
- Board memberJ. Emmett Patterson Nov 28, 2012 to Mar 20, 202034
- Board memberDavid L. Sites May 11, 2010 to Dec 20, 202235
- Board memberJohn R. Schnitzer May 6, 2009 to May 6, 200936
- Board memberMarian B. Schultz May 8, 2008 to Mar 18, 202237
- Board memberWayne E. Lau Aug 14, 2008 to Aug 18, 200838
- Board memberJennifer L. Weaver Nov 21, 2008 to Feb 10, 200939
- Board memberJames J. Lott May 10, 2007 to now40
- Board memberFrank Elsner Iii. Jan 3, 2006 to now41
- Board memberPhilip P. Asper May 22, 2006 to May 22, 200642
- Board memberThomas A. Ritter May 22, 2006 to Mar 19, 202114
- Board memberAlan J. Stock Sep 7, 2006 to now43
- Board memberDaniel W. Potts Sep 7, 2006 to now44
Named in SEC Form D filings
People the company listed in its private-offering notices.
- SVP/Chief Risk Officer of ACNB BankAndrew A. Bradley named Mar 19, 202645
- EVP/Chief Strategy OfficerBrett D. Fulk named Mar 19, 202645
- SVP/Chief Human Resources Officer of ACNB BankEmily E. Berwager named Mar 19, 202645
- DirectorDonald Arthur Seibel, Jr. named Mar 19, 202645
- DirectorScott L. Kelley named Mar 19, 202645
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- The Registrant has the following subsidiaries: ACNB Bank, a Pennsylvania state-chartered commercial bank and trust company and ACNB Insurance Services, Inc., incorporated in the State of Maryland.3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Sep 25, 20268-K Other events46
- Jul 29, 20268-K Other events47
- Jul 23, 20268-K Results of operations48
- May 6, 20268-K Shareholder vote; Regulation FD disclosure49
- Apr 29, 20268-K Other events50
- Apr 23, 20268-K Results of operations51
- Mar 18, 20268-K Executive or director change52
- Mar 12, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure53
- Mar 2, 20268-K Other events54
- Feb 20, 20268-K Executive or director change55
- Jan 29, 20268-K Other events56
- Jan 22, 20268-K Results of operations57
- Jun 19, 2017New chief executive James Helt becomes CEO13
- May 22, 2006New chief executive Thomas A. Ritter becomes CEO14
Calendar
Coming up
- Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $1.42 a share, on Oct 23, 2025.58
When it reported results
- Jul 23, 2026Reported quarterly or annual results48
- Apr 23, 2026Reported quarterly or annual results51
- Jan 22, 2026Reported quarterly or annual results57
- Oct 23, 2025Reported quarterly or annual results59
- Jul 24, 2025Reported quarterly or annual results60
- Apr 24, 2025Reported quarterly or annual results61
- Jan 23, 2025Reported quarterly or annual results62
- Oct 24, 2024Reported quarterly or annual results63
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
525 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 92 major events, 370 insider forms, 11 large holders, 1 private raises, 31 other. The latest 20:
- Sep 25, 20268-K EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Aug 7, 2026144 EDGAR
- Aug 7, 20264 EDGAR
- Aug 6, 202610-Q EDGAR
- Jul 29, 20268-K EDGAR
- Jul 23, 20268-K EDGAR
- Jun 17, 20264 EDGAR
- Jun 17, 20264 EDGAR
- Jun 17, 20264 EDGAR
The 525 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
71 open-market trades by officers, directors and large owners since October 2021: 62 buys and 9 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 15, 2026 | ELSNER FRANK IIIDirector | Buy | 4 | $65.29 | $250 | Form 4 |
| Aug 7, 2026 | Seibel Donald Arthur JrDirector | Sale | 1,500 | $64.35 | $96.5K | Form 4 |
| Mar 13, 2026 | ELSNER FRANK IIIDirector | Buy | 5 | $46.42 | $250 | Form 4 |
| Feb 3, 2026 | Hayes Kevin JSVP/Secretary & Gen. Counsel | Sale | 750 | $51.30 | $38.5K | Form 4 |
| Jan 26, 2026 | FULK BRETT D | Sale | 1,486 | $48.52 | $72.1K | Form 4 |
| Dec 15, 2025 | FULK BRETT D | Sale | 2,773 | $52.27 | $145.0K | Form 4 |
| Dec 15, 2025 | ELSNER FRANK IIIDirector | Buy | 5 | $52.65 | $250 | Form 4 |
| Dec 11, 2025 | Seibel Donald Arthur JrDirector | Sale | 5,000 | $51.00 | $255.0K | Form 4 |
| Nov 20, 2025 | Kelley Scott LDirector | Buy | 396 | $40.00 | $15.8K | Form 4 |
| Sep 15, 2025 | Lott James JDirector | Buy | 251 | $44.83 | $11.2K | Form 4 |
| Sep 15, 2025 | ELSNER FRANK IIIDirector | Buy | 6 | $44.83 | $259 | Form 4 |
| Jun 13, 2025 | ELSNER FRANK IIIDirector | Buy | 6 | $40.97 | $250 | Form 4 |
| Mar 14, 2025 | ELSNER FRANK IIIDirector | Buy | 6 | $41.75 | $253 | Form 4 |
| Dec 13, 2024 | HELT JAMESPresident & CEO | Buy | 55 | $45.55 | $2.5K | Form 4 |
| Dec 13, 2024 | ELSNER FRANK IIIDirector | Buy | 5 | $45.55 | $250 | Form 4 |
| Sep 13, 2024 | HELT JAMESPresident & CEO | Buy | 59 | $42.10 | $2.5K | Form 4 |
| Sep 13, 2024 | ELSNER FRANK IIIDirector | Buy | 6 | $42.10 | $250 | Form 4 |
| Aug 19, 2024 | FULK BRETT D | Sale | 2,897 | $39.06 | $113.2K | Form 4 |
| Aug 15, 2024 | Potts Daniel WDirector | Sale | 500 | $40.35 | $20.2K | Form 4 |
| Jun 14, 2024 | HELT JAMESPresident & CEO | Buy | 81 | $30.72 | $2.5K | Form 4 |
All 71 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | James P. HeltPresident & Chief Executive Officer of the Corporation | 59 | $593.6K | $1.8M67 |
| 2025 | Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank | $334.6K | $981.6K67 | |
| 2025 | Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank | $319.7K | $870.0K67 | |
| 2025 | Brett D. FulkExecutive Vice President/Chief Strategy Officer of ACNB Bank | $330.7K | $770.5K67 | |
| 2025 | Jason H. WeberExecutive Vice President/Chief Financial Officer of the Corporation and the Bank | $351.4K | $740.3K67 | |
| 2024 | James P. HeltPresident & Chief Executive Officer of the Corporation | 59 | $565.5K | $1.6M67 |
| 2024 | Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank | $321.6K | $843.2K67 | |
| 2024 | Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank | $307.4K | $827.0K67 | |
| 2024 | Brett D. FulkExecutive Vice President/Chief Strategy Officer of ACNB Bank | $319.6K | $684.6K67 | |
| 2024 | Jason H. WeberExecutive Vice President/Chief Financial Officer of the Corporation and the Bank | $337.7K | $670.3K67 | |
| 2023 | James P. HeltPresident & Chief Executive Officer of the Corporation | 59 | $541.2K | $1.6M67 |
| 2023 | Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank | $296.7K | $833.8K67 | |
| 2023 | Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank | $309.2K | $821.2K67 |
Funding
Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.
- Private raises (Form D) $15.0M
Figures by year
| Year | Private raises (Form D) | Total |
|---|---|---|
| 2026 | $15.0M | $15.0M |
Private raises
Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How ACNB CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARACNB CORP1
- CIK0000715579
- Employer ID (EIN)23-22334574
- Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
- Incorporated inPennsylvania4
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address16 Lincoln Square, P O Box 3129, Gettysburg, PA 173251
- Mailing addressP O Box 3129, 16 Lincoln Square, Gettysburg, PA 173251
- Phone71733431611
- Shares outstanding10,169,930 as of Jul 30, 202611
- Public float$432.3M as of Jun 30, 20254
- AuditorCrowe LLP, Franklin, TN PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
- On EDGAR sinceApr 15, 19941
- Filings1,863 in all: 4 (1,094), 8-K (327), 5 (110), 10-Q (98), DEF 14A (34), 3 (32), 4/A (30), 10-K (27)1
All 38 form types
CORRESP (12), UPLOAD (11), 425 (10), 8-K/A (9), SC 13G/A (6), 10-K405 (5), EFFECT (5), S-4/A (5), SC 13G (5), 424B3 (4), ARS (4), PRE 14A (4), S-4 (4), S-8 (3), SCHEDULE 13G/A (3), 10-K/A (2), 3/A (2), D (2), DEFA14A (2), S-3 (2), S-3D (2), 10-K405/A (1), 10-Q/A (1), 144 (1), 5/A (1), 8-A12B (1), CERTNAS (1), S-3DPOS (1), S-8 POS (1), SCHEDULE 13G (1)
- Latest filingsAnnual report (10-K) Mar 12, 2026
Quarterly report (10-Q) Aug 6, 2026
Proxy statement (DEF 14A) Mar 30, 2026
Latest 8-K (8-K) Sep 25, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $2.50 par value per share | ACNB | The NASDAQ Stock Market, LLC |
From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks ACNB CORP names in Item 1A of its 10-K filed Mar 12, 2026: 4 risks under these headings, as written.4
- CREDIT RISKS
- BUSINESS RISKS
- STRATEGIC AND EXTERNAL RISKS
- WEALTH MANAGEMENT AND INSURANCE INDUSTRY RISKS
Legal proceedings
As of December 31, 2025, there were no material pending legal proceedings, other than ordinary routine litigation incidental to and in the ordinary course of the business, to which ACNB or its subsidiaries are a party or by which any of their assets are the subject, which could have a material adverse effect on ACNB or its subsidiaries or their financial condition or results of operations. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Corporation or its subsidiaries by governmental authorities.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARACNB CORP filings on SEC EDGAR
- 2SEC EDGARACNB CORP filings on SEC EDGAR
- 3
- 4
- 5SEC EDGARACNB CORP 10-K for fiscal 2025
- 6SEC EDGARACNB CORP 10-K for fiscal 2022
- 7SEC EDGARACNB CORP 10-K for fiscal 2019
- 8SEC EDGARACNB CORP 10-K for fiscal 2020
- 9SEC EDGARACNB CORP 10-K for fiscal 2021
- 10SEC EDGARACNB CORP 10-Q for fiscal 2026
- 11SEC EDGARACNB CORP 10-Q for fiscal 2026
- 12SEC EDGARACNB CORP 10-K for fiscal 2022
- 13SEC EDGARJames Helt, Chief executive officer
- 14
- 15SEC EDGARRonald L. Hankey, Chair
- 16SEC EDGARJames Helt, President
- 17
- 18
- 19SEC EDGARKevin J. Hayes, SVP/Secretary & CGO
- 20SEC EDGARDouglas A. Seibel, ACNB Bank EVP
- 21SEC EDGARLaurie A. Laub, ACNB Bank EVP
- 22
- 23
- 24
- 25SEC EDGARElizabeth F. Carson, Board member
- 26SEC EDGAREugene J. Draganosky, Board member
- 27SEC EDGARJohn M. Polli, Board member
- 28
- 29SEC EDGARKimberly S. Chaney, Board member
- 30SEC EDGARTodd L. Herring, Board member
- 31
- 32SEC EDGARDonna M. Newell, Board member
- 33SEC EDGARHarry L. Wheeler, Board member
- 34SEC EDGARJ. Emmett Patterson, Board member
- 35SEC EDGARDavid L. Sites, Board member
- 36SEC EDGARJohn R. Schnitzer, Board member
- 37SEC EDGARMarian B. Schultz, Board member
- 38SEC EDGARWayne E. Lau, Board member
- 39SEC EDGARJennifer L. Weaver, Board member
- 40SEC EDGARJames J. Lott, Board member
- 41SEC EDGARFrank Elsner Iii., Board member
- 42SEC EDGARPhilip P. Asper, Board member
- 43SEC EDGARAlan J. Stock, Board member
- 44SEC EDGARDaniel W. Potts, Board member
- 45
- 46SEC EDGAROther events
- 47SEC EDGAROther events
- 48SEC EDGARResults of operations
- 49
- 50SEC EDGAROther events
- 51SEC EDGARResults of operations
- 52SEC EDGARExecutive or director change
- 53
- 54SEC EDGAROther events
- 55SEC EDGARExecutive or director change
- 56SEC EDGAROther events
- 57SEC EDGARResults of operations
- 58NasdaqNasdaq calendar
- 59
- 60
- 61
- 62
- 63
- 64SEC EDGARFMR LLC SCHEDULE 13G/A on ACNB CORP
- 65
- 66SEC EDGARBlackRock SC 13G/A on ACNB CORP
- 67