ACNB Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q3 2026 filing, ACNB Bank reported 8 of the 9 line items on this page. It did not report foreign exchange derivatives, notional. Unused home equity and credit card lines was $199.6M in Q3 2026, down 11.8% from $226.4M in Q3 2025. That is 6.1% of its total assets. Across the 12 quarters shown it ranged from $153.4M (Q4 2024) to $241.5M (Q1 2025).
The largest change between Q2 2026 and Q3 2026 was in Unused home equity and credit card lines, which fell 7.1% to $199.6M.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $199.6M |
| Letters of credit | $517K |
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Derivatives
Total derivatives, notional changed the most here, down 5.6% to $276.4M in Q3 2026 from $293.0M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $276.4M |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 8.41% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $157.4M | $0 | — |
| Q1 2024 | $158.4M | $0 | — |
| Q2 2024 | $156.6M | $0 | — |
| Q3 2024 | $155.6M | $0 | — |
| Q4 2024 | $153.4M | $0 | — |
| Q1 2025 | $241.5M | $494K | 6.47% |
| Q2 2025 | $227.9M | $515K | 6.25% |
| Q3 2025 | $226.4M | $493K | 6.57% |
| Q4 2025 | $225.7M | $493K | 7.68% |
| Q1 2026 | $224.7M | $493K | 7.53% |
| Q2 2026 | $214.8M | $517K | 8.87% |
| Q3 2026 | $199.6M | $517K | 8.41% |
ACNB Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full ACNB Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 7506) · FFIEC NIC profile (RSSD 5210)