What are ACNB's total assets?

ACNB (ACNB) holds $3.3B in total assets, down 0.0% year over year.

How much debt does ACNB have?

ACNB carries $323.6M in total debt against $425.5M of shareholders' equity, a debt-to-equity ratio of 0.76.

How much cash does ACNB have?

ACNB holds $93.6M in cash and equivalents.

Where does ACNB's balance sheet data come from?

Every line is extracted from ACNB's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

ACNB ACNB Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Cash and cash equivalents	$65.65M+38.9%	$47.26M-28.3%	$65.96M-60.8%	$168.16M-76.3%
Restricted cash	$260K—	——	——	——
Accounts receivable, net	$2.33B+38.5%	$1.68B+3.3%	$1.63B+5.7%	$1.54B+5.0%
Prepaid expenses and other current assets	$196K+292%	$50K-25.4%	$67K-62.6%	$179K+36.6%
Assets held for sale	$275K—	$0—	——	$3.39M+210%
Trading assets	$2.67M-84.8%	$17.59M+15.9%	$15.18M+39.6%	$10.88M-46.3%
Loans held for sale	$28.17M+6,513%	$426K+52.1%	$280K+128%	$123K-94.4%
Property and equipment, net	$30.65M+20.4%	$25.45M-3.2%	$26.28M-2.8%	$27.05M-12.7%
Accumulated depreciation	$29.25M+3.9%	$28.15M+3.2%	$27.28M+7.0%	$25.49M-4.8%
Operating lease right-of-use assets	$4.16M+15,798,478,987%	$0.03-53.1%	$0.06+3.5%	$0.05-100.0%
Goodwill	$64.45M+45.9%	$44.19M0.0%	$44.19M0.0%	$44.19M+4.9%
Intangible assets, net	$22.44M+186%	$7.84M-13.7%	$9.08M-12.1%	$10.33M+69.3%
Other non-current assets	$53.55M+11.8%	$47.88M-11.6%	$54.19M+15.6%	$46.87M+69.0%
Equity method investments	$751K-14.4%	$877K-12.6%	$1M-11.2%	$1.13M-10.0%
Available-for-sale securities	$57.55M-38.2%	$93.19M-6.4%	$99.59M-33.5%	$149.83M+65.1%
Held-to-maturity securities	$63.29M-2.0%	$64.58M0.0%	$64.6M-0.6%	$64.98M+907%
Total investments	$13.9M+31.1%	$10.6M+12.8%	$9.4M+674%	$1.22M-35.7%
Gross loans	$2.31B+38.5%	$1.67B+3.6%	$1.61B+5.7%	$1.52B+16,680%
Equity securities	$949K+3.3%	$919K-1.0%	$928K-46.0%	$1.72M-34.1%
Total assets	$3.23B+34.8%	$2.39B-1.0%	$2.42B-4.2%	$2.53B-9.4%
Accrued expenses	$1.18M+2.0%	$1.15M+5.1%	$1.1M+12.2%	$978K+15.9%
Current portion of long-term debt	$64.74M+309%	$15.83M-72.2%	$56.88M+35.6%	$41.95M+19.2%
Operating lease liabilities, current	$4.45M+61.0%	$2.76M+5.7%	$2.62M-17.3%	$3.16M-3.3%
Short-term borrowings	$80M+405%	$15.83M-72.2%	$56.88M—	$0-100%
Deposits	$2.45B+36.7%	$1.79B-3.7%	$1.86B-15.3%	$2.2B-9.4%
Noninterest-bearing deposits	$553.86M+22.7%	$451.5M-9.8%	$500.33M-15.9%	$595.05M-4.5%
Demand deposits	$623.62M+23.5%	$505.1M-3.7%	$524.29M-11.5%	$592.59M+84.8%
Time deposits	$452.93M+65.9%	$273.03M+17.6%	$232.15M-20.8%	$293.13M-31.8%
Deferred tax liabilities	$12.03M+75.8%	$6.85M-0.5%	$6.88M-4.6%	$7.22M+21.0%
Long-term debt	$255.38M0.0%	$255.33M+30.7%	$195.29M+830%	$21M-39.5%
Operating Lease Liabilities (Total)	$4.45M+61.0%	$2.76M+5.7%	$2.62M-17.3%	$3.16M-3.3%
Other non-current liabilities	$31.57M+33.0%	$23.74M+2.9%	$23.07M+50.9%	$15.28M-0.2%
Total liabilities	$2.81B+34.3%	$2.09B-2.3%	$2.14B-6.1%	$2.28B-9.3%
Preferred stock	$0—	$0—	$0—	$0—
Common stock	20M0.0%	20M0.0%	20M0.0%	20M0.0%
Additional paid-in capital	$179.66M+81.2%	$99.16M+1.6%	$97.6M+1.6%	$96.02M+1.4%
Retained earnings	$257.29M+9.7%	$234.62M+9.9%	$213.49M-12.9%	$245.04M+46.5%
Accumulated other comprehensive income (loss)	-$22.17M+46.8%	-$41.67M+7.2%	-$44.91M+22.6%	-$58.01M-508%
Treasury stock	$22.37M+99.7%	$11.2M+2.3%	$10.95M+22.7%	$8.93M+298%
Total stockholders' equity	$419.97M+38.5%	$303.27M+9.3%	$277.46M+13.2%	$245.04M-9.9%
Total liabilities and stockholders' equity	$3.23B+34.8%	$2.39B-1.0%	$2.42B-4.2%	$2.53B-9.4%
Available-for-Sale Debt Securities - Amortized Cost	$2.73M-84.8%	$18.01M+15.0%	$15.66M+42.2%	$11.01M-45.1%
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	$2.73M-84.8%	$18.01M+15.0%	$15.66M+42.2%	$11.01M-45.1%
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)	$396K—	$0—	$0-100%	$283K—
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$253.98M-29.3%	$359.2M-10.8%	$402.52M+58.5%	$253.97M+475%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$253.98M-29.3%	$359.2M-10.8%	$402.52M+58.5%	$253.97M+475%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$89.53M+159%	$34.55M—	$0-100%	$277.24M-1.4%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$89.53M+159%	$34.55M—	$0-100%	$277.24M-1.4%
Available-for-Sale Debt Securities - Unrealized Loss Position	$26.19M-45.1%	$47.67M-6.1%	$50.78M-21.4%	$64.64M+822%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$253.98M-29.3%	$359.2M-10.8%	$402.52M+58.5%	$253.97M+475%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$343.51M-12.8%	$393.75M-2.2%	$402.52M-24.2%	$531.21M+63.3%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$89.53M+159%	$34.55M—	$0-100%	$277.24M-1.4%
Allowance for Credit Losses - Receivable (Current)	$23.67M+37.0%	$17.28M-13.5%	$19.97M+11.8%	$17.86M-6.2%
Cash, Cash Equivalents, and Marketable Securities	$343.51M-12.8%	$393.75M-2.2%	$402.52M-24.2%	$531.21M+63.3%
Equipment Installment Plan Receivables, Gross	$2.33B+38.5%	$1.68B+3.3%	$1.63B+5.7%	$1.54B+5.0%
Interest-bearing deposits in banks and other financial institutions	$45.04M+45.7%	$30.91M-30.6%	$44.52M-65.2%	$128.09M-81.6%
Financing Receivables	$2.31B+38.5%	$1.67B+3.6%	$1.61B+5.7%	$1.52B+4.9%
Loans and Lending Commitments	$2.31B+38.5%	$1.67B+3.6%	$1.61B+5.7%	$1.52B+4.9%
Restricted Marketable Securities	$159.6M+1.5%	$157.3M-32.7%	$233.7M-31.7%	$342.2M-3.3%
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)	$60.88M-40.4%	$102.08M-7.0%	$109.77M-33.8%	$165.84M+81.2%
Available-for-Sale Debt Securities - Fair Value (No Single Maturity Date)	$387.18M+46.5%	$264.24M-9.9%	$293.13M-10.5%	$327.54M—
Loans 90+ Days Past Due	$2.85M+203%	$941K-19.0%	$1.16M-3.4%	$1.2M+64.8%
Purchased Credit Deteriorated Loans	$2.31B+38.5%	$1.67B+3.6%	$1.61B+5.7%	$1.52B+4.9%
Deferred Tax Assets and Other Non-Current Assets	$707K-15.5%	$837K+6.9%	$783K+8.9%	$719K-58.2%
Deferred Tax Assets - Reserves and Accruals	$986K+66.6%	$592K-20.2%	$742K+1.5%	$731K—
Deferred Tax Assets - Loan Loss Reserves	$5.25M+34.2%	$3.91M-13.8%	$4.53M+9.8%	$4.13M-4.8%
Finite-Lived Intangible Assets - Expected Amortization Expense (Year Five)	$6.5M+85.3%	$3.51M-15.6%	$4.15M-12.4%	$4.74M+144%
Finite Lived Intangible Assets - Gross	$41.16M+84.5%	$22.31M0.0%	$22.31M+0.8%	$22.13M+34.9%
Goodwill and Intangible Assets, Net	$5.12M+254%	$1.45M+0.7%	$1.44M-1.6%	$1.46M+9.7%
Held-to-Maturity Debt Securities - Fair Value	$16.3M-36.3%	$25.59M-19.0%	$31.61M-19.2%	$39.11M—
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years	$5.25M+40.5%	$3.74M+188%	$1.3M+265%	$356K—
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years	$34.53M+33.2%	$25.93M+8.9%	$23.81M+56.1%	$15.25M—
Held-to-Maturity Debt Securities - Maturing Over 10 Years	$19.79M-36.9%	$31.38M-11.2%	$35.35M-20.7%	$44.6M—
Investments - Amortized Cost Basis	$491.12M+11.2%	$441.64M-12.0%	$501.91M-18.7%	$617.64M+39.9%
Net Investment in Lease	$4.16M+56.0%	$2.66M+1.8%	$2.62M-17.3%	$3.16M-3.3%
Bank Owned Life Insurance	$105.84M+29.3%	$81.85M+2.5%	$79.87M+2.4%	$77.99M+21.4%
Cash and Due from Banks	$20.61M+26.0%	$16.35M-23.7%	$21.44M-46.5%	$40.07M+169%
Other intangible assets—net	$22.44M+186%	$7.84M-13.7%	$9.08M-12.1%	$10.33M+69.3%
Interest-Bearing Deposits in Banks and Other Financial Institutions	$45.04M+45.7%	$30.91M-30.6%	$44.52M-65.2%	$128.09M-81.6%
Investments	$751K-14.4%	$877K-12.6%	$1M-11.2%	$1.13M-10.0%
Operating lease right-of-use assets	$4.16M+56.0%	$2.66M+1.8%	$2.62M-17.3%	$3.16M-3.3%
Other Assets	$53.55M+11.8%	$47.88M-11.6%	$54.19M+15.6%	$46.87M+69.0%
Property, plant and equipment at cost	$59.89M+11.7%	$53.6M+0.1%	$53.56M+1.9%	$52.54M-9.0%
Operating Lease Right-of-Use Assets in Other Assets	$4.16M+56.0%	$2.66M+1.8%	$2.62M-17.3%	$3.16M-3.3%
Lease Liability Payments - 2021	$2.1M+1.0%	$2.08M+3.5%	$2.01M+4.7%	$1.92M+10.3%
Lease Liability Payments - 2022	$2.09M-0.9%	$2.11M+2.4%	$2.06M+4.6%	$1.97M+5.3%
Operating Lease Liability Payments - 2024 (Lessee)	$860K+45.3%	$592K-24.6%	$785K-18.0%	$957K+40.1%
Operating Lease Liability Payments - 2025 (Lessee)	$701K+61.5%	$434K+1.4%	$428K-42.6%	$746K+15.8%
Lease Liability Payments - Due Year Two	$860K+45.3%	$592K-24.6%	$785K-18.0%	$957K+40.1%
Lease Liability Payments - Due Year Three	$829K+76.8%	$469K-25.8%	$632K-31.1%	$917K+38.1%
Lease Liability Payments - Due Year Four	$701K+61.5%	$434K+1.4%	$428K-42.6%	$746K+15.8%
Lease Liability Payments - Remainder of Fiscal Year	$1.05M+47.5%	$712K-13.9%	$827K-13.2%	$953K+23.0%
Operating Lease Liability Payments Due	$4.9M+63.9%	$2.99M-12.9%	$3.43M-28.4%	$4.79M+7.8%
Operating Lease Liability - Undiscounted Excess Amount	$447K+98.7%	$225K-72.5%	$817K-49.9%	$1.63M+38.7%
Short-Term Debt - Weighted-Average Interest Rate	4.5%0.0%	4.5%-0.1%	4.6%+0.8%	3.8%+1.1%
Accrued Employee Benefits (Non-Current)	$19.87M+21.4%	$16.36M+9.6%	$14.93M+15.8%	$12.89M+16.2%
Debt Maturity - 1 to 5 Years	$11.06M+0.2%	$11.04M+2.7%	$10.75M+3.0%	$10.44M+2.8%
Debt Maturity - 2024	$2.09M0.0%	$2.09M+1.0%	$2.07M+3.0%	$2.01M+4.7%
Debt Maturity - 2025	$2.18M+2.8%	$2.12M+2.9%	$2.06M-55.8%	$4.66M-47.5%
Debt Maturity - 2027	$2.12M+1.0%	$2.1M+1.9%	$2.06M-86.8%	$15.67M-29.5%
Debt Maturity - 5 to 10 Years	$28.29M-39.4%	$46.67M-33.6%	$70.24M-9.6%	$77.71M-46.6%
Debt Maturity - Over 10 Years	$8.5M+325%	$2M0.0%	$2M-90.1%	$20.3M-56.9%
Defined Benefit Pension Plan Liabilities (Non-Current)	$6.5M+27.5%	$5.1M-83.2%	$30.41M+4.3%	$29.15M-21.6%
Deferred Tax Liabilities - Leasing Arrangements	$921K+55.6%	$592K-20.2%	$742K+1.5%	$731K—
Operating Lease Liability Payments - 2026 (Lessee)	$829K+76.8%	$469K-25.8%	$632K-31.1%	$917K+38.1%
Operating Lease Liability Payments - 2027 (Lessee)	$496K+68.7%	$294K-25.2%	$393K-10.9%	$441K-18.3%
Operating Lease Liability Payments - 2028 (Lessee)	$701K+61.5%	$434K+1.4%	$428K-42.6%	$746K+15.8%
Operating Lease Liability Payments - 2029 (Lessee)	$496K+68.7%	$294K-25.2%	$393K-10.9%	$441K-18.3%
Lease Liability Payments - Due After Year Five	$962K+97.1%	$488K+33.0%	$367K-52.9%	$779K-31.7%
Operating Lease Liability Payments - Thereafter (Lessee)	$962K+97.1%	$488K+33.0%	$367K-52.9%	$779K-31.7%
Noninterest-bearing deposits (principally U.S. offices)	$553.86M+22.7%	$451.5M-9.8%	$500.33M-15.9%	$595.05M—
Total debt	$404.57M+47.7%	$273.92M+7.5%	$254.79M+285%	$66.12M-21.5%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$25.93M-45.5%	$47.57M-6.3%	$50.78M+19.8%	$42.4M+2,420%
AOCI - Defined Benefit Plan Net Gains/Losses	$1.82M-60.0%	$4.54M-11.3%	$5.12M-25.7%	$6.89M+188%
Common Stock Par Value Per Share	$2.500.0%	$2.500.0%	$2.500.0%	$2.500.0%
Common Stock Shares Issued	11M+23.3%	8.9M+0.6%	8.9M+0.6%	8.8M+0.5%
Convertible Preferred Stock Authorized Shares	20M0.0%	20M0.0%	20M0.0%	20M0.0%
Convertible Preferred Stock Outstanding Shares	0—	0—	0—	0—
Cumulative Gross Losses and Impairments	$5.75M-24.9%	$7.65M+38.1%	$5.54M-19.7%	$6.9M—
Cumulative Gross Unrealized Gains	$0—	$0—	$0—	$0-100%
Additional paid-in capital	$179.66M+81.2%	$99.16M+1.6%	$97.6M+1.6%	$96.02M+1.4%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$27.56M+23.3%	$22.36M+0.6%	$22.23M+0.7%	$22.09M+0.5%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—
Treasury Stock, Value	$22.37M+99.7%	$11.2M+2.3%	$10.95M+22.7%	$8.93M+298%
Investments - Gross Unrealized Losses	$343.51M-12.8%	$393.75M-2.2%	$402.52M-24.2%	$531.21M+63.3%
Preferred Stock Par Value Per Share	$2.500.0%	$2.500.0%	$2.500.0%	$2.500.0%
Share Repurchase Authorization Limit	——	——	——	255.6K—
Shares Reserved for Future Issuance Under Stock Plans	——	——	——	——
Unrealized Gains on Investments	$1.96M+97,900%	$2K-99.6%	$565K+2.2%	$553K-78.3%
Unrealized Losses on Investments (Before Tax)	$26.19M-45.1%	$47.67M-6.1%	$50.78M-21.4%	$64.64M+822%
Nonperforming Loans and Leases Percentage	$2.33B+38.5%	$1.68B+3.3%	$1.63B+5.7%	$1.54B+5.0%
Cumulative Cost Basis	$491.12M+11.2%	$441.64M-12.0%	$501.91M-18.7%	$617.64M+39.9%
Defined Benefit Plan Discount Rate	$0.05-1.8%	$0.06+12.2%	$0.05-3.9%	$0.05+85.5%
Defined Benefit Plan Weighted Average Asset Allocation	10.0%	10.0%	10.0%	10.0%
Defined Benefit Plan Funded Status	$19.87M+21.4%	$16.36M+9.6%	$14.93M+15.8%	$12.89M+16.2%
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$26.19M-45.1%	$47.67M-6.1%	$50.78M-21.4%	$64.64M+822%
Gross Unrealized Gains	$1.96M+97,900%	$2K-99.6%	$565K+2.2%	$553K-78.3%
Total	$491.12M+11.2%	$441.64M-12.0%	$501.91M-18.7%	$617.64M+39.9%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$31.84M-42.4%	$55.31M-32.0%	$81.35M-12.5%	$92.96M-37.7%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$28.29M-39.4%	$46.67M-33.6%	$70.24M-9.6%	$77.71M-46.6%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$60.88M-40.4%	$102.08M-7.0%	$109.77M-33.8%	$165.84M+81.2%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$57.55M-38.2%	$93.19M-6.4%	$99.59M-33.5%	$149.83M+65.1%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	$8.5M+325%	$2M0.0%	$2M-90.1%	$20.3M-56.9%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	$8.45M+447%	$1.55M+4.6%	$1.48M-92.4%	$19.42M-58.7%
Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Amortized Cost	$387.18M+46.5%	$264.24M-9.9%	$293.13M-10.5%	$327.54M—
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$2.73M-84.8%	$18.01M+15.0%	$15.66M+42.2%	$11.01M-45.1%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$2.67M-84.8%	$17.59M+15.9%	$15.18M+39.6%	$10.88M-46.3%
Available for sale investments	$466.89M+18.5%	$393.98M-12.8%	$451.69M-18.4%	$553.55M+26.6%
Common stock, capital shares reserved for future issuance	——	——	——	——
Common stock, par value (in dollars per share)	$2.50.0%	$2.50.0%	$2.50.0%	$2.50.0%
Common stock, shares authorized (in shares)	$20M0.0%	$20M0.0%	$20M0.0%	$20M0.0%
Common stock, shares issued (in shares)	$11.03M+23.3%	$8.95M+0.6%	$8.9M+0.6%	$8.84M+0.5%
Common Stock, Shares, Outstanding	$10.37M+21.3%	$8.55M+0.5%	$8.51M0.0%	$8.52M-1.9%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$25.93M-45.5%	$47.57M-6.3%	$50.78M+19.8%	$42.4M+2,420%
Less than 12 months	$89.53M+159%	$34.55M—	$0-100%	$277.24M-1.4%
12 months or more	$253.98M-29.3%	$359.2M-10.8%	$402.52M+58.5%	$253.97M+475%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$261K+164%	$99K—	$0-100%	$22.24M+317%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$26.19M-45.1%	$47.67M-6.1%	$50.78M-21.4%	$64.64M+822%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$343.51M-12.8%	$393.75M-2.2%	$402.52M-24.2%	$531.21M+63.3%
Weighted Average Interest Rate (as a percent)	$0.050.0%	$0.05-2.2%	$0.05+22.2%	$0.04+40.5%
Deferred Tax Liabilities, Gross	$12.03M+75.8%	$6.85M-0.5%	$6.88M-4.6%	$7.22M+21.0%
Accumulated depreciation	$0-100%	$59K+1,867%	$3K—	$0—
Purchase accounting	$4.17M—	$0—	$0-100%	$149K+113%
Allowance for unfunded commitments	$406K+28.9%	$315K-19.2%	$390K—	$0—
Deferred Tax Assets, Gross	$21.22M+2.0%	$20.8M-8.2%	$22.67M-10.7%	$25.38M+142%
Deferred Tax Assets, Net	$9.18M-34.2%	$13.96M-11.6%	$15.79M-10.9%	$17.72M+293%
Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Postretirement Benefits	$1.76M+22.6%	$1.44M+23.2%	$1.17M+9.6%	$1.06M-5.5%
Other	$341K+38.6%	$246K-66.8%	$740K-6.6%	$792K+34.2%
Accrued expenses	$1.18M+2.0%	$1.15M+5.1%	$1.1M+12.2%	$978K+15.9%
Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Deferred Rent	$986K+66.6%	$592K-20.2%	$742K+1.5%	$731K—
Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross	$5.6M-49.9%	$11.18M-7.3%	$12.05M-20.8%	$15.21M+1,396%
Accumulated depreciation	$117K—	$0—	$0-100%	$208K-41.2%
Prepaid expenses	$196K+292%	$50K-25.4%	$67K-62.6%	$179K+36.6%
Prepaid defined benefit pension plan cost	$4.8M+1.6%	$4.73M+3.9%	$4.55M-0.4%	$4.57M+10.2%
Purchase accounting	$871K+3,384%	$25K0.0%	$25K—	$0—
Salary scale, pension benefit obligation	3.5%0.0%	3.5%0.0%	3.5%0.0%	3.5%0.0%
2030	$2.18M+2.8%	$2.12M+2.9%	$2.06M+2.0%	$2.02M+2.0%
2026	$2.1M+1.0%	$2.08M+3.5%	$2.01M+4.7%	$1.92M+10.3%
2028	$2.09M0.0%	$2.09M+1.0%	$2.07M+3.0%	$2.01M+4.7%
2031 — 2035	$11.06M+0.2%	$11.04M+2.7%	$10.75M+3.0%	$10.44M+2.8%
2029	$2.12M+1.0%	$2.1M+1.9%	$2.06M+1.5%	$2.03M+3.0%
2027	$2.09M-0.9%	$2.11M+2.4%	$2.06M+4.6%	$1.97M+5.3%
Less: Fair value of plan assets at end of period	$50.27M+8.3%	$46.4M-0.1%	$46.43M+7.7%	$43.12M-14.1%
Deposits, Demand and Savings	$2B+31.4%	$1.52B-6.8%	$1.63B-14.5%	$1.91B—
Money market deposit account	$485.81M+93.0%	$251.67M-5.0%	$264.91M-14.8%	$310.91M—
Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available	$1.29B+39.2%	$926.5M+6.8%	$867.2M+5.6%	$821.38M+3.6%
FHLB borrowings and advances, collateral	$1.85B+39.1%	$1.33B—	——	——
FHLB advances borrowing capacity	$1.01B+46.3%	$690.4M+4.3%	$661.7M-18.1%	$808.28M+5.9%
Federal Home Loan Bank Advances Maturities Summary Average Interest Rate Of Amounts Due Within One Year Of Balance Sheet Date	4.7%—	——	4.7%—	0%-2.7%
Federal Home Loan Bank Advances Maturities Summary Due From Three To Four Years Of Balance Sheet Date	$30M-14.3%	$35M-41.7%	$60M—	——
Collateralized short-term advances from Federal Home Loan Bank	$80M—	——	$80M—	$0-100%
2027-2028	$90M+12.5%	$80M+33.3%	$60M—	$0-100%
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Four	4.3%0.0%	4.2%-0.4%	4.6%—	——
2029-2030	$35M-61.1%	$90M+12.5%	$80M—	$0—
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Three	4.2%-0.3%	4.6%-0.2%	4.7%—	0%—
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Two	4.6%-0.2%	4.7%+0.1%	4.6%—	0%-2.7%
Weighted-average contractual interest rates for FHLB advances	——	——	——	——
Federal Home Loan Bank stock, at cost	$13.9M+31.1%	$10.6M+12.8%	$9.4M+674%	$1.22M-35.7%
Allowance for unfunded commitments	$1.83M+31.3%	$1.39M-18.9%	$1.72M+1,768%	$92K—
Total loans, net of unearned income	$2.33B+38.5%	$1.68B+3.4%	$1.63B+5.8%	$1.54B—
Merchant loans, advances, interest, and fees receivables	——	——	——	——
With a Related Allowance	$944K-60.6%	$2.4M+81.6%	$1.32M—	——
Without a Related Allowance	$6.92M+99.2%	$3.48M+105%	$1.69M—	——
Financing Receivable, Nonperforming Loans	$10.72M+57.4%	$6.81M+63.2%	$4.17M+8.2%	$3.86M—
Originated, at amortized cost, more than five years before current fiscal year	$637.64M+28.9%	$494.76M+3.3%	$479.13M—	——
2021	$286.81M+185%	$100.77M-8.2%	$109.77M—	——
Year one	$239.67M+16.6%	$205.56M-18.5%	$252.17M—	——
Year two	$284.9M+11.3%	$255.98M-14.8%	$300.56M—	——
2022	$351.5M+65.3%	$212.62M+86.6%	$113.92M—	——
2023	$309.62M+15.3%	$268.43M+14.7%	$233.94M—	——
With an allowance	$2.85M+203%	$941K-19.0%	$1.16M-3.4%	$1.2M+64.8%
Amortized cost	$222.34M+52.3%	$146.01M+4.1%	$140.22M—	——
Financing Receivable, Unearned Income, before Allowance for Credit Loss	$1.96M+58.8%	$1.24M-27.8%	$1.71M-53.1%	$3.65M—
Finite-Lived Intangible Assets, Accumulated Amortization	$18.73M+29.4%	$14.47M+9.4%	$13.23M+12.1%	$11.8M+14.5%
2031	$2.32M+260%	$646K-9.1%	$711K-16.0%	$846K+37.1%
Finite Lived Intangible Assets Amortization Expense After Year Five	$6.5M+85.3%	$3.51M-15.6%	$4.15M-12.4%	$4.74M+144%
Gross Carrying Amount	$41.16M+84.5%	$22.31M0.0%	$22.31M+0.8%	$22.13M+34.9%
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss	$5.75M-24.9%	$7.65M+38.1%	$5.54M-19.7%	$6.9M—
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	$0—	$0—	$0—	$0-100%
HTM unrealized loss position 12 months or more - fair value	$57.54M+1.1%	$56.92M-3.6%	$59.06M+249%	$16.91M—
5-10 years	$36.36M+33.3%	$27.27M+7.4%	$25.39M+54.5%	$16.44M—
1-5 years	$5.65M+35.0%	$4.19M+200%	$1.39M+270%	$377K—
After 10 years	$19.79M-36.9%	$31.38M-11.2%	$35.35M-20.7%	$44.6M—
Within 1 year	$400K—	$0—	$0-100%	$285K—
Instruments not due at a single maturity date	$1.09M-37.5%	$1.74M-29.5%	$2.47M-24.8%	$3.28M—
Held to maturity, Mortgage backed securities, Fair Value	$1.06M-36.4%	$1.67M-28.6%	$2.34M-24.1%	$3.09M—
Interest-Bearing Deposit Liabilities, Domestic	$1.9B+41.4%	$1.34B-1.5%	$1.36B-15.1%	$1.6B-11.0%
Brokered deposits	$59.1M+145%	$24.1M—	$0—	——
Interest Bearing Domestic Deposit Demand	$623.62M+23.5%	$505.1M-3.7%	$524.29M-11.5%	$592.59M+84.8%
Lessee Operating Lease Liability Payments Due	$4.9M+63.9%	$2.99M-12.9%	$3.43M-28.4%	$4.79M+7.8%
Lessee Operating Lease Liability Undiscounted Excess Amount	$447K+98.7%	$225K-72.5%	$817K-49.9%	$1.63M+38.7%
Loan Production Offices	——	——	——	——
Loans And Leases Receivable Related Parties	$16.12M+239%	$4.76M-10.3%	$5.31M-10.8%	$5.95M+3.3%
Number of Residential Mortgage Loans Defaulted	——	——	——	——
Operating Lease Weighted Average Discount Rate Percent	$0.03+17.5%	$0.03-53.1%	$0.06+3.5%	$0.05-3.7%
Preferred Stock, Par or Stated Value Per Share	$2.50.0%	$2.50.0%	$2.50.0%	$2.50.0%
Preferred Stock, Shares Authorized	$20M0.0%	$20M0.0%	$20M0.0%	$20M0.0%
Preferred Stock, Shares Outstanding	$0—	$0—	$0—	$0—
Restricted investment in bank stocks	$14.24M+31.2%	$10.85M+12.2%	$9.68M+494%	$1.63M-29.3%
Amount available for dividend payments to parent company without prior regulatory approval	$55.5M+6.9%	$51.9M+7.5%	$48.3M+33.1%	$36.29M-20.5%
Stock Repurchase Program, Number of Shares Authorized to be Repurchased, Percentage of Outstanding Shares	——	——	——	3%—
Time Deposits	$452.93M+65.9%	$273.03M+17.6%	$232.15M-20.8%	$293.13M-31.8%
Treasury stock, shares (in shares)	$655.9K+67.5%	$391.51K+1.8%	$384.67K+18.9%	$323.6K—
Stated Maturities	$369.93M+57.4%	$234.98M-11.4%	$265.2M-10.3%	$295.72M—
Weighted-Average Discount Rate	5.4%-0.1%	5.5%+0.6%	4.9%-0.2%	5.1%+2.3%

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Questions, answered.

What are ACNB's total assets?: ACNB (ACNB) holds $3.3B in total assets, down 0.0% year over year.
How much debt does ACNB have?: ACNB carries $323.6M in total debt against $425.5M of shareholders' equity, a debt-to-equity ratio of 0.76.
How much cash does ACNB have?: ACNB holds $93.6M in cash and equivalents.
Where does ACNB's balance sheet data come from?: Every line is extracted from ACNB's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.