Better Health for All

ACNB Corporation's primary business of traditional banking services has no significant positive or negative health impact. During the COVID-19 pandemic, ACNB Bank launched the "ACNB Helping Hands" initiative in 2020

, providing over 6,000 meals through partnerships with 16 restaurants and 16 community organizations. The bank and its staff/board contributed $53,000 in financial aid and donated 180 N95 respirator masks and 44 face masks to four healthcare facilities. ACNB Bank also supports the healthcare workforce through its Community Heroes Program, offering mortgage assistance with a 1% down payment and reduced mortgage insurance for nurses, EMTs, and paramedics. The company also served as a Silver Sponsor for a 26th annual mental health event attended by over 500 people.

Fair Money & Economic Opportunity

ACNB Corporation reported no regulatory actions, violations, fines, or compliance issues in its 2022

and Q3 2023 financial summaries, nor in a 2018 community involvement summary. The company contributed $40,000 to a "Helping Hands" initiative and $2,000 in 2023 through a Volunteer of the Year donation and Bowl for Kids' Sake sponsorship. These contributions represent approximately 0.12% of its 2022 net income of $35,752,000.

Fair Pay & Worker Respect

The CEO-to-median employee pay ratio for Fiscal Year 2024 was 26:1

, with the CEO's total pay at $1,615,962 and median employee pay at $61,268 . This ratio is significantly lower than the average S&P 500 company ratio of 268:1 in 2023 . Employee engagement, based on an overall rating of 3.1 out of 5 (62/100) from 59 evaluations as of December 8, 2025 , indicates growing trust. However, employee reviews also show concerns regarding workplace culture (2.6/5) , management (2.6/5) , and job security & advancement (2.7/5) . Multiple reviews mention high turnover , low pay , underpaid , and minimum wage , with specific hourly rates for roles like Community Banking Associate I ($16-$18) in 2025 and Teller ($14.75) in March 2023 . The company implemented a Whistleblower Policy in February 2025 , committing to a workplace free of discrimination, retaliation, or harassment . There is no public record of substantiated labor-law or human-rights violations, regulatory actions, or fines mentioned in the provided articles.

Fair Trade & Ethical Sourcing

ACNB Corporation is a financial holding company whose primary business involves traditional banking activities such as deposit accounts and loans.

The 'Fair Trade & Ethical Sourcing' value assesses companies based on their procurement and trade of physical commodities, including aspects like fair-trade certifications, supply chain audits, and prevention of child/forced labor. Given ACNB's business model, it does not procure or trade physical commodities, nor does it have a supply chain that falls under the scope of these ethical sourcing practices. The provided articles contain no data related to fair trade and ethical sourcing metrics, which is consistent with the company's operations.

Honest & Fair Business

ACNB Corporation's Board of Directors has 14 members

, with 12 (85.71%) identified as independent , and operates with staggered terms . Only independent directors serve on the Audit, Compensation, and Nominating Committees . The company maintains a comprehensive Whistleblower Policy , last updated July 7, 2024 , which encourages reporting of misconduct , prohibits discrimination, retaliation, or harassment against reporters , allows anonymous reports to the Chief Governance Officer or the Audit Committee , and requires employee acknowledgement . Additionally, a Code of Ethics, updated July 6, 2024 , applies to directors, officers, and employees , prohibits payments to government officials for improper influence , sets a $250 limit for personal gifts , and requires documentation for customer gifts exceeding this amount . Employees are required to acknowledge receipt and understanding of the Code of Ethics .

Kind to Animals

ACNB Corporation is a financial holding company primarily engaged in traditional banking and financial services. Its core business model does not involve product manufacturing, animal testing, animal agriculture, or the sourcing of animal-derived ingredients. Therefore, all KPIs related to animal welfare, such as cruelty-free certification, alternative testing methods, humane operations, ethical input substitution, and animal agriculture ethics, are not applicable to the company's direct operations. While ACNB Bank made a $1,000 donation to the Adams County SPCA

and organized a pet supply drive, these community involvement activities do not directly align with the measurable criteria of the provided KPIs for 'Kind to Animals'.

No War, No Weapons

ACNB Corporation's ESG data explicitly states no involvement in military contracting, controversial weapons, or small arms.

As a financial holding company, its core business of banking and financial services means it does not develop or sell dual-use technologies.

Planet-Friendly Business

ACNB Corporation does not disclose any carbon emissions data, reduction targets, or other sustainability metrics, including a net-zero target or SBTi-aligned targets. It is not participating in any tracked reduction initiatives or disclosure networks. It has a High ESG Risk Rating of 33.5 from Sustainalytics

, ranking 881 out of 1020 banks , and its management is rated as Weak . ACNB's DitchCarbon Score of 25 is higher than 65% of companies in the Financial Intermediation industry , which generally has very low emissions intensity .

Respect for Cultures & Communities

ACNB Corporation employs 364 individuals in its southcentral Pennsylvania and central Maryland operational areas, indicating that its workforce is recruited from local communities.

All employees are required to complete annual training, which includes unconscious bias training and diversity education. ACNB Bank has 32 formal partnerships with local restaurant/catering businesses and community organizations through its ACNB Helping Hands initiative. The company supported 197 community organizations and non-profits with financial contributions in 2024, and 186 in 2018. Employees contributed over 2,500 volunteer hours in 2024 and 7,243 hours in 2018. ACNB Bank contributed $40,000 to its Helping Hands program, and employees pledged over $36,000 to United Way campaigns in 2023. The company works with Community Advisory Councils in its major markets and provides an anonymous third-party ethics hotline for ethics matters. ACNB supports the Spanish Speaking Communities of Frederick County and the Frederick Arts Council, and collected books for the Literacy Council of Frederick County. No cultural appropriation incidents or disruptions to cultural sites have been reported.

Safe & Smart Tech

ACNB Corporation's digital privacy policy, updated October 9, 2024, outlines user choices regarding cookies and location data

. The policy also mentions compliance with the Children's Online Privacy Protection Act (COPPA) . The company employs an Information Security Analyst responsible for building a security awareness culture, leading training programs, and managing phishing tests . However, no specific data is available regarding data breach frequency or scale, cybersecurity investment, privacy certifications, encryption implementation, AI ethics governance, AI audit practices, algorithmic transparency, unauthorized data use incidents, authentication security details, vulnerability management processes, bug bounty programs, privacy-by-design principles, security testing coverage, data minimization practices, algorithmic harm remediation, or digital rights advocacy.

Zero Waste & Sustainable Products

ACNB.US does not disclose any data related to waste diversion, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, hazardous waste management, product durability, repairability, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, or packaging-to-product ratio.

The company also does not disclose formal waste reduction initiatives or targets, nor does it participate in any tracked reduction initiatives. Additionally, there are no disclosed waste-related requirements for suppliers or information provided to customers on proper disposal or recycling options.