Updated
The most significant concentration ACNB discloses is commercial real estate, commercial and industrial and construction loans at 68%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: ACNB’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'approximately 68% of ACNB's loan portfolio consisted of commercial real estate loans, commercial and industrial and construction'”
“10-K Item 1A: 'ACNB provides banking and financial services to customers primarily in the South-central Pennsylvania and Northern Maryland region of the country'”
ACNB Corporation's concentration picture centers on a structural loan-portfolio composition paired with a structural geographic footprint. The larger of the two is on the asset side: approximately 68% of ACNB's loan portfolio consists of commercial real estate, commercial and industrial, and construction loans, a significant concentration that ties credit performance closely to commercial and construction-sector health rather than to a diversified consumer loan base. Geographically, the bank operates primarily in the South-central Pennsylvania and Northern Maryland region, a moderate concentration that makes its results sensitive to that specific regional economy rather than a national footprint. Both exposures are structural rather than counterparty-specific, meaning they describe how the bank is built rather than a dependency on any single customer or supplier. Because the loan-portfolio concentration is the larger of the two, it is the more likely lever to move the credit outlook — a downturn in commercial real estate or construction activity within ACNB's regional footprint would compound both exposures simultaneously, since the loan book and the geography are largely the same regional economy viewed from two angles.
For the engine’s reasoning on ACNB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB● | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| AROW | Arrow Financial Corporation | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.