ACNB (ACNB) risk factors
Item 1A of every ACNB Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors42 risks2 new9 dropped4 reworded
ACNB dropped several merger-related risks concerning Traditions after completing the integration. The bank added specific concerns regarding trade policies, tariffs, and market liquidity conditions. Commercial loan concentration decreased slightly from 71% to 68%.
Filed Mar 12, 2026 - FY2024 10-K risk factors49 risks
ACNB Corp relies heavily on net interest income and regional economic health across southcentral Pennsylvania and northern Maryland. Commercial real estate loans and credit quality risks form the core of the bank's asset exposure. Cybersecurity, technology changes, and regulatory capital requirements present ongoing operational hurdles.
Filed Mar 14, 2025