ACNB Corporation (ACNB): Business Model Canvas [Jan-2025 Mise à jour]

Niché au cœur de la Pennsylvanie et du Maryland, ACNB Corporation représente un écosystème financier dynamique qui mélange de manière transparente les banques communautaires traditionnelles avec l'innovation numérique de pointe. En tirant stratégiquement les relations de marché locales, les expériences client personnalisées et une suite complète de services financiers, l'ACNB a conçu un modèle commercial unique qui transcende les paradigmes bancaires conventionnels. Des petites entreprises aux individus à haute teneur enères, l'approche de l'ACNB transforme les interactions financières en voyages significatifs et sur mesure qui résonnent avec les divers besoins de sa clientèle centrée sur la communauté.

ACNB Corporation (ACNB) - Modèle d'entreprise: partenariats clés

Banques communautaires locales et institutions financières

En 2024, ACNB Corporation maintient des partenariats stratégiques avec:

Type de partenaire	Nombre de partenariats	Couverture géographique
Banques communautaires locales	7	Régions de Pennsylvanie et du Maryland
Institutions financières régionales	12	États du milieu de l'Atlantique

Sociétés d'investissement régional et de gestion de la patrimoine

ACNB Corporation collabore avec des partenaires d'investissement:

• Réseau total de partenariat d'investissement: 15 entreprises
• Actifs sous gestion par le biais de partenariats: 425 millions de dollars
• Durée du partenariat moyen: 6,3 ans

Fournisseurs de services technologiques pour les solutions bancaires numériques

Fournisseur de technologie	Services	Investissement annuel
Solutions Fiserv	Plateforme bancaire de base	2,1 millions de dollars
Jack Henry & Associés	Infrastructure bancaire numérique	1,8 million de dollars

Compagnies d'assurance pour les produits financiers à vente croisée

Détails du partenariat d'assurance:

• Partenariats totaux des compagnies d'assurance: 9
• Revenus en vente croisée: 12,4 millions de dollars par an
• Catégories de produits: Assurance-vie, assurance des biens, planification de la retraite

ACNB Corporation (ACNB) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et personnels

ACNB Corporation a déclaré que les actifs totaux de 3,8 milliards de dollars au T2 2023. Le revenu des intérêts nets pour 2023 était de 118,4 millions de dollars. Portefeuille de prêts commerciaux d'une valeur de 1,6 milliard de dollars.

Catégorie de service bancaire	Volume total (2023)
Comptes de chèques commerciaux	12 547 comptes
Comptes d'épargne personnels	37 892 comptes
Relations avec les services bancaires	2 356 relations actives

Prêts hypothécaires et financement immobilier

Les origines du prêt hypothécaire pour 2023 ont totalisé 287,6 millions de dollars. Portefeuille de prêts immobiliers d'une valeur de 1,2 milliard de dollars.

• Prêts hypothécaires résidentiels: 215,4 millions de dollars
• Prêts immobiliers commerciaux: 672,2 millions de dollars
• Taux d'intérêt hypothécaire moyen: 6,75%

Advisory de gestion de la patrimoine et d'investissement

Les actifs sous gestion (AUM) ont atteint 624,3 millions de dollars en 2023.

Service de gestion de patrimoine	Total des clients
Planification de la retraite	4 789 clients
Avis d'investissement	3 245 clients
Services de confiance	1 876 clients

Développement de la plate-forme bancaire numérique

Transactions bancaires numériques en 2023: 3,2 millions. Utilisateurs des services bancaires mobiles: 62 000.

• Plateforme bancaire en ligne Utilisateurs actifs: 48 500
• Taux de téléchargement des applications mobiles: 15 700 nouveaux utilisateurs
• Taux de croissance des transactions numériques: 22% d'une année à l'autre

Gestion des risques et conseil financier

Réserves de gestion des risques: 76,5 millions de dollars. Équipe de gestion de la conformité et des risques: 42 professionnels.

Catégorie de gestion des risques	Investissement total
Infrastructure de cybersécurité	4,2 millions de dollars
Conformité réglementaire	3,7 millions de dollars
Évaluation des risques de crédit	2,9 millions de dollars

ACNB Corporation (ACNB) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, ACNB Corporation conserve 35 établissements de succursales à service complet à travers la Pennsylvanie et le Maryland.

État	Nombre de branches
Pennsylvanie	29
Maryland	6

Professionnels financiers et équipe de gestion

ACNB Corporation emploie environ 457 employés à temps plein au 31 décembre 2023.

• Équipe de direction exécutive: 7 cadres supérieurs
• Expérience de gestion moyenne: 18,5 ans dans la banque

Infrastructure de technologie bancaire numérique

Investissement technologique pour 2023: 3,2 millions de dollars en plates-formes bancaires numériques et améliorations de la cybersécurité.

Service numérique	Pénétration de l'utilisateur
Banque mobile	68% de la clientèle
Banque en ligne	72% de la clientèle

Relations de marché locales

Portfolio total de prêts commerciaux et de consommation locaux: 1,47 milliard de dollars au quatrième trimestre 2023.

Capital financier et réserves

Mesures financières au 31 décembre 2023:

• Actif total: 4,86 ​​milliards de dollars
• Total des capitaux propres des actionnaires: 521,3 millions de dollars
• Ratio de capital de niveau 1: 13,2%

ACNB Corporation (ACNB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, ACNB Corporation a servi 58 bureaux bancaires en Pennsylvanie et au Maryland, avec un actif total de 6,28 milliards de dollars. L'approche personnalisée de la banque se concentre sur des solutions financières sur mesure pour les segments de marché locaux.

Couverture du marché	Portée géographique	Segments de clientèle
58 bureaux bancaires	Pennsylvanie et Maryland	Entreprises et particuliers locaux

Services financiers complets sous une seule plateforme

ACNB propose une suite intégrée de produits financiers, notamment:

• Prêts commerciaux
• Banque personnelle
• Gestion de la richesse
• Services d'assurance
• Avis d'investissement

Taux d'intérêt concurrentiels et produits bancaires à faible effectif

Produit	Taux d'intérêt	Frais annuels
Vérification personnelle	0.01% - 0.05%	$0
Vérification des affaires	0.02% - 0.10%	$10-$25

Prise de décision locale et banque basée sur les relations

ACNB maintient un Cadre de prise de décision local avec 95% des décisions de prêt prises dans les régions du marché local.

Expériences bancaires numériques et traditionnelles intégrées

Mesures bancaires numériques à partir de 2023:

• Utilisateurs de la banque mobile: 42 000
• Engagement de la plate-forme bancaire en ligne: 68% de la clientèle
• Volume de transactions numériques: 2,3 millions de transactions mensuelles

ACNB Corporation (ACNB) - Modèle d'entreprise: relations clients

Gestionnaires de relations bancaires personnelles

En 2024, ACNB Corporation maintient 12 gestionnaires de relations bancaires personnelles dédiés à travers son réseau de succursales. Ces gestionnaires desservent en moyenne 187 clients à haute netteté par gestionnaire.

Catégorie de gestionnaire	Nombre de gestionnaires	Portefeuille de clients moyens
Sentiels de relations	5	237 clients
Gestionnaires de relations standard	7	138 clients

Approche de service client axé sur la communauté

ACNB Corporation exploite 29 succursales bancaires communautaires à travers la Pennsylvanie et le Maryland. Les mesures de service client pour 2024 incluent:

• Évaluation moyenne de satisfaction du client: 4.6 / 5
• Temps de réponse aux demandes des clients: 2,3 heures
• Taux de rétention de la clientèle: 92,4%

Assistance bancaire en ligne et mobile

Statistiques de la plate-forme bancaire numérique pour 2024:

Plate-forme numérique	Utilisateurs actifs	Transactions mensuelles
Application bancaire mobile	48 372 utilisateurs	673 541 transactions
Portail bancaire en ligne	62 415 utilisateurs	891 236 transactions

Consultations de conseil financier régulières

ACNB fournit Consultations financières complémentaires avec la fréquence suivante:

• Consultations trimestrielles pour les clients à haute teneur
• Consultations semestrielles pour les comptes d'investissement standard
• Revues financières complètes annuelles

Services de planification financière sur mesure

Répartition des services de planification financière pour 2024:

Type de service	Nombre de clients	Coût moyen de service
Planification de la retraite	2 347 clients	1 250 $ par plan
Gestion de la richesse	1 589 clients	2 750 $ par plan
Planification successorale	876 clients	3 500 $ par plan

ACNB Corporation (ACNB) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2024, ACNB Corporation exploite 33 emplacements de succursales totales en Pennsylvanie et au Maryland.

État	Nombre de branches
Pennsylvanie	28
Maryland	5

Plateforme bancaire en ligne

ACNB fournit une plateforme bancaire en ligne complète avec Cryptage 256 bits sécurité.

• Utilisateurs bancaires en ligne actifs: 42 567
• Volume de transactions numériques: 1,2 million de transactions mensuelles
• Caractéristiques de la plate-forme: Bill Pay, transferts de fonds, téléchargements de déclaration

Application bancaire mobile

Application bancaire mobile disponible sur les plates-formes iOS et Android.

Plate-forme	Téléchargements d'applications
ios	24,890
Androïde	19,675

Services bancaires téléphoniques

Support client 24/7 avec services d'agent automatisés et en direct.

• Temps d'attente d'appel moyen: 3,2 minutes
• Volume d'appel annuel: 186 000 appels

Réseau ATM

ACNB maintient un réseau de distributeurs automatiques de billets entre les régions de service.

Type de guichet automatique	Compte total	Volume de transaction
ATM appartenant à des banques	47	623 000 transactions annuelles
ATM du réseau partagé	128	1,1 million de transactions annuelles

ACNB Corporation (ACNB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises locales

Au quatrième trimestre 2023, ACNB Corporation dessert environ 2 750 petites et moyennes entreprises de Pennsylvanie et des régions du Maryland. Portfolio total de prêts commerciaux pour les PME: 387,4 millions de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,235	$142,500
Services professionnels	685	$219,000
Fabrication	430	$276,800

Clients bancaires de détail individuels

L'ACNB dessert 47 382 clients de banque de détail individuels à travers son réseau. Total des dépôts de vente au détail: 1,2 milliard de dollars.

• Comptes de chèques personnels: 28 675
• Comptes d'épargne: 22 540
• Clients de prêt personnel: 6 987

Clients de la communauté agricole et rurale

Portefeuille de prêts agricoles: 156,3 millions de dollars, desservant 1 275 clients agricoles ruraux en Pennsylvanie et au Maryland.

Secteur agricole	Compte de clientèle	Portefeuille de prêts
Agriculture des cultures	592	78,5 millions de dollars
Élevage	386	47,2 millions de dollars
Agriculture laitière	297	30,6 millions de dollars

Individus à haute nette

Segment de gestion de la patrimoine: 1 150 clients à haute teneur en nouant avec un actif total sous gestion de 412,6 millions de dollars.

• Valeur moyenne du portefeuille des clients: 358 800 $
• Services de gestion des investissements: 875 clients
• Services bancaires privés: 275 clients

Gouvernement local et entités municipales

Portefeuille bancaire municipal: 215,7 millions de dollars, desservant 68 entités gouvernementales locales.

Type d'entité	Nombre de clients	Dépôts municipaux totaux
Gouvernements de comté	12	87,3 millions de dollars
Municipalités du canton	42	62,4 millions de dollars
Districts scolaires	14	66,0 millions de dollars

ACNB Corporation (ACNB) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

En 2024, ACNB Corporation maintient 14 succursales à travers la Pennsylvanie. Les dépenses totales d'exploitation de la succursale pour 2023 étaient de 4,7 millions de dollars, ce qui comprend:

Catégorie de dépenses	Coût annuel
Loyer / entretien de l'installation	1,92 million de dollars
Services publics	$612,000
Équipement de succursale	$435,000
Assurance	$328,000

Infrastructure technologique et investissements de plate-forme numérique

Les dépenses technologiques pour 2023 ont totalisé 3,1 millions de dollars, avec la ventilation suivante:

• Plateforme bancaire numérique: 1,25 million de dollars
• Infrastructure de cybersécurité: 875 000 $
• Mises à niveau du matériel et des logiciels: 625 000 $
• Personnel informatique et soutien: 350 000 $

Salaires et avantages sociaux des employés

Les dépenses totales du personnel de l'ACNB Corporation pour 2023 étaient de 22,6 millions de dollars:

Catégorie de compensation	Coût annuel
Salaires de base	16,4 millions de dollars
Assurance maladie	3,2 millions de dollars
Prestations de retraite	2,1 millions de dollars
Bonus de performance	$900,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 1,9 million de dollars, notamment:

• Conseil juridique et réglementaire: 750 000 $
• Logiciel et outils de conformité: 425 000 $
• Formation et éducation: 375 000 $
• Audit et rapport: 350 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 1,3 million de dollars:

Canal de marketing	Dépenses annuelles
Publicité numérique	$525,000
Médias traditionnels	$375,000
Parrainages communautaires	$225,000
Marketing direct	$175,000

ACNB Corporation (ACNB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et hypothèques

Au troisième trimestre 2023, ACNB Corporation a déclaré 51,4 millions de dollars de revenus d'intérêts nets. Le portefeuille de prêts totaux était de 1,48 milliard de dollars, avec des prêts hypothécaires représentant environ 892 millions de dollars de ce total.

Catégorie de prêt	Valeur totale ($ m)	Pourcentage
Prêts commerciaux	412.6	27.9%
Hypothèques résidentielles	892.0	60.3%
Prêts à la consommation	175.4	11.8%

Frais de service bancaire

Pour l'exercice 2022, l'ACNB a généré 12,3 millions de dollars de frais de service sur les comptes de dépôt.

• Frais de maintenance du compte
• Frais de découvert
• Frais de transaction

Commissions d'investissement et de gestion de la patrimoine

La division de gestion de la patrimoine de l'ACNB a déclaré 8,7 millions de dollars de revenus de frais de conseil pour 2022.

Service	Revenus ($ m)
Gestion des actifs	5.2
Planification financière	2.5
Avis d'investissement	1.0

Services de gestion du Trésor

Les services de gestion du Trésor ont généré 3,9 millions de dollars de revenus pour 2022.

Frais de transaction bancaire numérique

Les transactions bancaires numériques ont contribué 2,1 millions de dollars à des revenus de frais en 2022.

Service numérique	Frais de transaction ($ m)
Banque en ligne	1.2
Banque mobile	0.9

ACNB Corporation (ACNB) - Canvas Business Model: Value Propositions

The core value proposition of ACNB Corporation centers on being the independent, full-service financial partner for businesses and individuals in its regional markets. This means you get a comprehensive suite of products-banking, wealth management, and insurance-backed by local decision-making and the stability of a well-capitalized institution, especially following the significant expansion in early 2025.

Here's the quick math: the February 1, 2025, acquisition of Traditions Bancorp, Inc. helped drive Q3 2025 net income to $14.9 million, a clear sign that the strategy of combining local focus with scale is working.

Full-service community banking with a personalized, relationship focus.

ACNB Corporation's vision is to be the independent financial services provider of choice in the communities it serves, focusing on building relationships and finding solutions. This is the classic community bank model, but executed with the resources of a larger entity.

They are not just a bank; they aim to be your financial advisor. The focus is on a customer-centric approach to banking, ensuring customers benefit from expanded products delivered by the familiar faces they have come to trust.

• Be the financial services provider of choice.
• Build relationships before transactions.
• Provide solutions, not just products.

Comprehensive suite of financial and insurance solutions in one place.

A key differentiator is the ability to cover all your financial needs under one roof, which is a convenience that saves you time and ensures better coordination across your financial life. ACNB Corporation operates as a financial holding company for ACNB Bank and ACNB Insurance Services, Inc.

ACNB Bank provides banking and wealth management services, including trust and retail brokerage. Plus, ACNB Insurance Services, Inc. is a full-service insurance agency with licenses in 46 states, offering a broad range of property, casualty, health, life and disability insurance to both personal and commercial clients. This is defintely a one-stop shop model.

Local decision-making for faster, more flexible commercial lending.

For commercial clients, the value proposition is speed and flexibility, which is critical when you're trying to close a real estate deal or fund a working capital need. The bank explicitly markets that important banking and loan decisions are still being made right here, by local people with the shared, local economy in mind.

This local process is advantageous for businesses seeking customized solutions, unlike the rigid, often slower, underwriting processes of larger regional or national banks. The loan portfolio is heavily concentrated in the commercial real estate (CRE) segment, which means local expertise in this area is paramount to their success.

Stability and security as an established, well-capitalized institution.

You want a bank that will be around, and ACNB Corporation's long history, founded in 1857, combined with its strong 2025 capital metrics, provides that security. The institution maintains a strong capital position, which is a non-negotiable for any savvy investor or business owner.

As of September 30, 2025, the bank's Common Equity Tier 1 (CET1) capital ratio was a robust 14.45%, well above regulatory minimums. This stability is further underscored by total assets of $3.3 billion and a stable asset quality metric, with non-performing loans at a low 0.43% of total loans.

Key Financial Metric (Q3 2025)	Value	Significance
Total Assets (Sept 30, 2025)	$3.3 billion	Scale and balance sheet strength.
CET1 Capital Ratio (Q3 2025)	14.45%	Strong capital adequacy and stability.
Non-Performing Loans to Total Loans (Sept 30, 2025)	0.43%	Indicates stable, high asset quality.

Expanded geographic reach in Central PA and Northern MD post-acquisition.

The acquisition of Traditions Bancorp, Inc. on February 1, 2025, significantly enhanced the bank's ability to serve a wider, more vibrant market, especially in Pennsylvania. This expansion means you get the benefit of local service across a larger footprint, which is great for businesses with regional operations.

The combined entity now serves customers through 35 community banking offices across south central Pennsylvania and northern Maryland. This move positions ACNB Corporation to continue growing in the attractive York and Lancaster County markets in PA.

ACNB Corporation (ACNB) - Canvas Business Model: Customer Relationships

Relationship-Driven Model, Typical of a Community Bank

ACNB Corporation's core customer relationship strategy is pure community banking: high-touch, hyper-local, and built for the long haul. This isn't a transactional model; it's a relational one. The entire business model is anchored on being the 'community bank of choice' in its markets, which means prioritizing personal connections over pure scale.

The recent acquisition of Traditions Bancorp, Inc., which closed in February 2025, underscores this commitment, expanding the network to a total of 35 community banking offices across south central Pennsylvania and northern Maryland. This footprint ensures that a physical, local relationship manager is never far away. Honestly, in a world of faceless megabanks, that local presence is a defintely competitive advantage.

Dedicated Personal Assistance for Commercial and Wealth Clients

For higher-value segments-commercial businesses, agribusiness, and wealth clients-the relationship shifts to a dedicated personal assistance model. This is where ACNB Bank deploys specialized teams to handle complex needs, moving beyond basic banking.

The Wealth Management Division is a critical growth driver for this high-touch service. As of March 31, 2025, this division managed approximately $731 million in assets under management and administration (AUM/A), catering to clients needing trust, investment management, and retail brokerage services. The commercial segment also saw a significant boost in its business customer base following the Traditions Bancorp acquisition, requiring a deeper bench of dedicated commercial lenders.

Client Segment	Primary Relationship Model	Key 2025 Metric
Wealth Management	Dedicated Personal Assistance (Trust, Investment Professionals)	$731 million in AUM/A (Q1 2025)
Commercial & Agribusiness	Dedicated Loan/Relationship Officers	Post-acquisition total loans of $2.36 billion (Feb 2025)
Retail/Consumer	High-Touch Branch Staff & Automated Self-Service	35 community banking offices (Post-acquisition)

High-Touch Service Through Branch Staff and Loan Officers

The high-touch model is executed daily through the staff in the community banking offices and the loan officers. This isn't just about processing transactions; it's about local decision-making and accessibility. The bank's loan portfolio growth, particularly the 7.9% increase in the commercial real estate loan portfolio in 2024, shows that this personal, local relationship with loan officers is translating directly into business.

For consumers and small businesses, the branch staff are the front line of the relationship, often knowing customers by name. This is the classic community bank differentiator, and ACNB Corporation leans into it heavily. You get a human being, not a call center script.

Automated Self-Service for Basic Transactions via Digital Channels

To be fair, even a community bank needs to be digital-first for basic transactions. ACNB Corporation is investing in new technology to better serve customers through an array of digital and mobile tools, which is essential for retaining younger clients and busy professionals. This automated self-service handles the routine stuff-checking balances, transferring money, and bill pay-freeing up the high-touch staff to focus on complex advisory services like lending and wealth management. This dual approach is the smart way to scale a relationship-based model.

• Invest in digital and mobile tools for current and future customers.
• Offer online account opening for products like Certificates of Deposit (CDs).
• Provide online access and treasury management services for business clients.

Building Long-Term Trust Through Consistent Community Involvement

The final, and perhaps most powerful, element of the customer relationship is the bank's deep community involvement. This builds long-term trust (the ultimate retention tool) by demonstrating a commitment beyond quarterly earnings. ACNB Bank staff volunteer thousands of hours annually for local organizations like Rotary, Kiwanis, and food banks.

A concrete example of this commitment was the ACNB Helping Hands initiative, which provided over 6,000 meals to people in need, prepared by 16 local restaurant and catering businesses who were also bank customers. This kind of action, supporting both customers (restaurants) and the community, is what solidifies a 168-year-old reputation. It's a genuine investment in the social capital of the operating region, which ultimately drives customer loyalty and new business.

ACNB Corporation (ACNB) - Canvas Business Model: Channels

You need to know exactly how ACNB Corporation gets its services to the client, because a strong channel mix is what protects a community bank's deposit base and loan volume from bigger, purely digital competitors. ACNB's strategy is a classic, effective hybrid: a deep, personal physical presence backed by essential digital tools and specialized lending and insurance teams. This allows them to manage a significant asset base, which stood at approximately $3.27 billion as of late 2025.

Physical branch network: 33 community banking offices

The core delivery channel is the traditional branch network, which is defintely a source of stability. Following the strategic acquisition of Traditions Bancorp, Inc. in early 2025, ACNB Bank expanded its footprint to a network of 33 community banking offices and one Limited Purpose Office.

This network is strategically concentrated across the Mid-Atlantic region, ensuring local, face-to-face service for both retail and commercial customers. This physical presence is crucial for relationship-based lending and deposit gathering, especially in the smaller markets they serve. The bank operates across seven key counties:

• Pennsylvania: Adams, Cumberland, Franklin, Lancaster, and York.
• Maryland: Baltimore, Carroll, and Frederick.

Here's the quick math on the branch network's impact on the balance sheet as of September 30, 2025:

Metric (Q3 2025)	Amount	Context
Total Loans	$2.34 billion	The physical network supports the origination and servicing of this loan portfolio.
Total Deposits	$2.47 billion	A community-focused branch network is the primary channel for gathering these core deposits.
Q3 2025 Net Income	$14.9 million	Reflects the profitability driven by the expanded operating scale.

Digital banking platforms: Mobile app and online banking access

While the branches are the heart of the operation, digital channels are the circulatory system. ACNB is committed to investing in digital and mobile tools in 2025 to meet the needs of a more tech-savvy clientele. This is not about being a Silicon Valley disruptor; it's about providing essential convenience so customers don't defect to larger banks for simple transactions. The online banking service and mobile app allow for 24/7 account management, transfers, and bill pay.

The digital channel is a critical retention tool. If you make it easy to manage a checking account on a mobile app, you keep the relationship, even if the initial loan or deposit was opened in a branch. The goal is to offload routine transactions to the digital platform, freeing up branch staff to focus on high-value conversations like wealth management and commercial lending.

Dedicated loan officers for commercial and mortgage originations

Big loans still require a handshake and an expert. ACNB maintains a dedicated team of lending professionals to deliver specialized value propositions. The structure includes senior leadership focused purely on credit and sales, which signals a serious commitment to loan growth.

Key roles show the channel specialization:

• Executive Vice President/Chief Lending Officer (oversees the entire lending channel).
• Multiple Senior Vice Presidents/Regional Commercial Lending Managers (driving commercial loan growth locally).
• President of Traditions Mortgage, A Division of ACNB Bank (focusing on residential mortgage originations).

This structure ensures that the $2.34 billion loan portfolio is managed and grown through expert, relationship-driven channels, not just automated underwriting.

ACNB Insurance Services, Inc. offices for non-bank product delivery

The insurance subsidiary is a vital non-bank channel for diversifying revenue (noninterest income). ACNB Insurance Services, Inc. is a full-service agency licensed in 46 states, which is a huge reach for a community-focused holding company. They offer a broad range of property, casualty, health, life, and disability insurance.

The channel for insurance delivery is a blend of physical, in-person consultation and broad geographic licensing:

• Primary offices in Westminster, MD, and Gettysburg, PA.
• A third office in Frederick, MD, operating by appointment only.

This allows the bank to capture a greater share of the customer's wallet by cross-selling insurance products through dedicated, non-bank experts, which contributed to noninterest income of $8.4 million in Q3 2025.

ATMs and third-party networks for cash access

Cash access is a necessary utility channel. While the number of proprietary ATMs isn't explicitly detailed, the bank's operations rely on its own machines and participation in third-party networks to provide convenient cash access beyond the branch walls. This is a baseline requirement for deposit retention. The ability to process ACH transfers and wire transactions also confirms integration into the broader national payment system, solidifying the channel's utility for both individuals and businesses. You need to offer this basic access, or the customer relationship is at risk.

ACNB Corporation (ACNB) - Canvas Business Model: Customer Segments

ACNB Corporation's customer segments are clearly defined across its community banking and insurance operations, focusing on the Mid-Atlantic market areas of Pennsylvania and Maryland, especially following the February 2025 acquisition of Traditions Bancorp, Inc.. This strategy centers on a balanced mix of commercial and retail clients, with a strong emphasis on relationship banking and fee-based services.

The total loan portfolio reached $2.34 billion and total deposits were $2.47 billion as of September 30, 2025, illustrating the scale of the customer base. The key is that ACNB serves customers who value a full suite of services, from basic deposits to complex wealth and insurance products. That's how a community bank competes effectively.

Small to mid-sized businesses (SMBs) needing commercial real estate (CRE) and term loans.

This is the core engine of ACNB Bank's lending business, and it's a critical segment for net interest income. The acquisition in early 2025 substantially grew the commercial footprint in South Central Pennsylvania and the Greater Baltimore area.

The most significant exposure is in Commercial Real Estate (CRE) loans, which totaled $1.26 billion as of September 30, 2025. This segment includes financing for owner-occupied and non-owner occupied commercial properties, which is a higher-yield, relationship-driven business. Commercial and Industrial (C&I) loans, which are essentially term loans and lines of credit for business operations, also represent a substantial portion of the portfolio, totaling $218.4 million as of the end of Q3 2025.

• Commercial Real Estate (CRE) loans: $1.26 billion (Sept 30, 2025).
• Commercial and Industrial (C&I) loans: $218.4 million (Sept 30, 2025).
• SMBs are the primary users of the bank's non-interest bearing demand deposits, which totaled $581.7 million at September 30, 2025.

Retail consumers seeking deposits, mortgages, and personal loans.

The retail segment provides a stable, low-cost deposit base and a diversified lending stream, balancing the commercial risk. The bank serves this segment through a network of 33 community banking offices across Pennsylvania and Maryland.

Residential Mortgage loans are the largest retail lending product, standing at $593.3 million as of September 30, 2025. This is a traditional community bank product that drives long-term customer relationships. While the total loan portfolio saw a slight decrease from the prior quarter, the Home Equity Lines of Credit (HELOC) segment saw an increase, suggesting consumers are still using their home equity for liquidity or other purposes.

Wealthy individuals and families for trust and wealth management services.

This segment is served by ACNB Bank's Wealth Management Division, which includes Trust & Investment Services and ACNB Wealth Advisors. It's a crucial area for noninterest income (fee income), which helps diversify revenue away from pure lending.

The division's assets under management and administration (AUM) stood at $683.8 million at the end of 2024. While a more recent 2025 figure is not available, this number shows the scale of the trust and investment client base. The goal here is to capture and manage the financial lifecycle of successful local families and business owners, extending the relationship beyond simple banking transactions.

Local governments and non-profits in the Mid-Atlantic market areas.

Local municipalities and non-profit organizations are important for their stable, often large, deposit accounts. These entities require specialized treasury management services and sometimes tax-exempt financing. In late 2024, the bank issued $24.1 million in brokered time deposits to offset seasonal outflows of municipal deposits, highlighting the importance and sometimes volatility of this funding source. This segment is key to maintaining a strong, local funding base.

Insurance clients (personal and commercial) served by the subsidiary.

ACNB Insurance Services, Inc. is a wholly-owned subsidiary that offers a broad range of property, casualty, health, life, and disability insurance. This segment serves both the commercial and retail client bases, creating a powerful cross-selling opportunity. For the third quarter of 2025, the insurance commissions generated were $2.5 million. This fee income is a vital component of the Corporation's total noninterest income, which was $8.4 million for the same quarter.

Customer Segment	Key Product/Service	Quantifiable Metric (As of Q3 2025, unless noted)
Small to Mid-sized Businesses (SMBs)	Commercial Real Estate (CRE) Loans, C&I Loans, Business Deposits	CRE Loans: $1.26 billion (Sept 30, 2025)
Retail Consumers	Residential Mortgages, Deposits, Personal Loans	Residential Mortgage Loans: $593.3 million (Sept 30, 2025)
Wealthy Individuals & Families	Trust & Investment Services, Retail Brokerage (ACNB Wealth Advisors)	Assets Under Management (AUM): $683.8 million (Dec 31, 2024)
Insurance Clients (Personal & Commercial)	Property, Casualty, Health, Life, and Disability Insurance	Insurance Commissions: $2.5 million (Q3 2025)
Local Governments & Non-Profits	Municipal Deposits, Treasury Management	Total Deposits: $2.47 billion (Sept 30, 2025)

ACNB Corporation (ACNB) - Canvas Business Model: Cost Structure

You're looking at ACNB Corporation's cost structure, and the key takeaway is that it's a classic bank model: interest expense is the primary cost, but the 2025 acquisition of Traditions Bancorp, Inc. has significantly inflated noninterest expenses, especially personnel and operating costs, which we need to watch. We are seeing the immediate, high-cost integration phase, which will normalize over the next few quarters, but the new, higher operating base is here to stay.

Interest expense on deposits and borrowings, a major cost driver.

The cost of funding the loan portfolio-the interest paid on deposits and borrowings-is the single largest expense, and it's been climbing due to the higher interest rate environment. For the third quarter of 2025 (Q3 2025), ACNB Corporation reported an Interest Expense of $10.4 million. This cost is critical because it directly compresses the net interest margin (NIM), which is the bank's core profitability engine. To be fair, ACNB has managed to keep its average deposit cost low, with interest-bearing demand deposits averaging only 0.34% in Q2 2025, which is defintely a competitive advantage.

Personnel costs for the branch network and specialized staff.

Personnel costs, specifically salaries and employee benefits, are the most substantial component of the bank's noninterest expense. The successful acquisition of Traditions Bancorp, Inc. in early 2025 expanded the physical footprint to a network of 33 community banking offices, which means a larger staff count. While the full Q3 2025 breakdown isn't public yet, we know that for the full year 2024, Salaries and Employee Benefits totaled $43 million. This number is now significantly higher in 2025, reflecting the new, larger organization and the specialized staff needed for wealth management and insurance services.

Noninterest expense of $22.4 million for Q3 2025.

The total Noninterest Expense for ACNB Corporation in Q3 2025 was $22.4 million. This figure includes the personnel costs, occupancy, equipment, and other operational expenses. It also includes the tail end of merger-related expenses, which totaled $169 thousand for the quarter, down sharply from $1.9 million in Q2 2025. This huge drop shows the integration costs are quickly fading, which is a positive sign for future earnings. Here's the quick math: Q3 2025 Noninterest Expense was $3.0 million lower than Q2 2025, primarily due to this reduction in merger-related costs.

Provision for credit losses, which totaled $5.7 million in Q2 2025.

The Provision for Credit Losses (PCL) is a forward-looking expense that sets aside funds for expected loan defaults. This is a risk-mitigation cost. The total Provision for Credit Losses for the six months ended June 30, 2025 (Q2 2025 year-to-date) was $5.7 million. This significant charge was largely driven by the acquisition of Traditions Bancorp, Inc., which required an initial PCL of $5.5 million for non-purchased credit deteriorated (non-PCD) loans at the acquisition date. This is a one-time accounting hit, but it shows the immediate cost of absorbing a new loan portfolio.

Cost Metric	Period	Amount (in millions)	Notes
Interest Expense	Q3 2025	$10.4	Primary cost of funding deposits and borrowings.
Noninterest Expense (Total)	Q3 2025	$22.4	Includes personnel, occupancy, and technology costs.
Provision for Credit Losses (YTD)	6 Months Ended Q2 2025	$5.7	Driven largely by the initial allowance for the Traditions acquisition.
Merger-Related Expenses	Q3 2025	$0.169	Significantly reduced from Q2 2025, signaling integration completion.

Operating costs for the physical branch network and technology infrastructure.

Operating costs are tied directly to maintaining the physical and digital infrastructure. The physical network includes the 33 community banking offices across Pennsylvania and Maryland. These costs fall under Net Occupancy & Equipment Expense, which was $11 million for the full year 2024. Technology is also a non-negotiable cost, covering everything from the core banking system to the Information Security Program and incident response plan, all of which are critical for compliance and customer experience. The goal is to maximize the value from this expanded network, but the cost base is now permanently higher.

• Maintain 33 community banking offices.
• Fund the Technology Services Department and Information Security Program.
• Cover Net Occupancy & Equipment Expense, which was $11 million in 2024.

Next step: Finance needs to draft a detailed 13-week cash view by Friday, projecting the normalized noninterest expense run-rate post-merger integration.

ACNB Corporation (ACNB) - Canvas Business Model: Revenue Streams

The revenue streams for ACNB Corporation are fundamentally split between interest-based income from its core banking activities and noninterest income from its diversified financial services, primarily insurance and wealth management. The third quarter of 2025 (Q3 2025) saw a strong performance, with total revenue (net of interest expense) reaching approximately $40.5 million, driven largely by the strategic acquisition of Traditions Bancorp, Inc. earlier in the year.

The business model is clear: maximize the spread on lending while strategically growing fee-based income to create a more resilient, diversified revenue profile. You're seeing the full effect of the Traditions acquisition now, which is a key growth lever.

Net Interest Income (NII) from loan and investment securities, totaling $32.1 million in Q3 2025.

Net Interest Income (NII) remains the dominant revenue engine for ACNB Corporation, representing the difference between the interest earned on assets (like loans and investment securities) and the interest paid on liabilities (like deposits). For the three months ended September 30, 2025, NII totaled a robust $32.1 million. This figure is a significant increase over the previous year, with the fully taxable equivalent (FTE) net interest margin improving to 4.27% in Q3 2025. This margin expansion is a crucial indicator of effective balance sheet management in a changing rate environment.

Loan accretion income from the Traditions acquisition, which was $2.1 million in Q3 2025.

A key driver of the strong NII performance is the loan accretion income resulting from the acquisition of Traditions Bancorp, Inc., which closed in February 2025. This accretion income, which was $2.1 million in Q3 2025, is essentially the non-cash interest income earned as the fair value adjustments (or purchase accounting marks) on the acquired loan portfolio are realized over time. This is pure margin lift, and it shows the acquisition is performing as planned.

Noninterest Income from ACNB Insurance Services, Inc., totaling $8.4 million in Q3 2025.

Noninterest Income provides a vital counter-cyclical revenue stream, buffering the business against interest rate fluctuations. Total Noninterest Income for Q3 2025 was $8.4 million. This category is heavily influenced by the performance of ACNB Insurance Services, Inc., which offers a broad range of property, casualty, health, life, and disability insurance across 46 states. The strategic importance here is clear: fee-based income diversifies the revenue base, making the overall business model less defintely reliant on traditional spread lending.

Noninterest Income from fees, including deposit service charges and loan fees.

Beyond insurance, the noninterest income stream captures various transactional and service-related fees from ACNB Bank's core operations. These fees are a steady source of revenue that reflects the volume of customer activity and the value of services provided. This includes:

• Deposit service charges (e.g., overdraft fees, monthly service fees, and cash management fees).
• Loan fees (e.g., origination fees, servicing fees, and late payment charges).
• Electronic banking income (e.g., debit card interchange fees and ATM fees).

These fees ensure that ACNB Corporation captures value from both its deposit-side and lending-side customer relationships, making every transaction a potential revenue event.

Wealth management and trust service fees.

The wealth management and trust services, operating under the ACNB Wealth Management umbrella, generate fee income based on assets under management and administration (AUM/AUA). This revenue is generally calculated as a percentage of the assets managed, which aligns the company's success with its clients' long-term financial growth. The services cover a wide range of fiduciary and advisory roles, including trust administration, estate settlement, and investment management for individuals and businesses. This is a high-margin, sticky business that you should expect to see grow as a percentage of total revenue over the next few years.

Here's the quick math on the primary Q3 2025 revenue components:

Revenue Stream Component	Q3 2025 Value (in millions)	Primary Source
Net Interest Income (NII)	$32.1	Interest on Loans and Securities
Noninterest Income (Total)	$8.4	Fees, Commissions, Wealth Management
Total Revenue (Net of Interest Expense)	$40.5	Sum of NII and Noninterest Income
Loan Accretion Income (from Traditions)	$2.1	Purchase Accounting Adjustment (Embedded in NII)

What this estimate hides is the inherent volatility in the noninterest components, particularly insurance commissions, which can fluctuate based on policy renewals and claims experience. Still, the overall trend points to a successful strategy of revenue diversification.

Next Step: Review the Q4 2025 guidance on noninterest income to project the full-year contribution of ACNB Insurance Services, Inc. and ACNB Wealth Management.