STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
97
2010–2025
Total Volume
$86M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
97 total segments
ACNB Bank has a strong focus on 504 loans, with 33% of their total SBA deals in this category. This is significantly higher than the national average of around 18%, making them a solid choice for borrowers looking for real estate financing.
The average deal size at ACNB Bank is $886,866, which indicates they are well-equipped to handle larger financing needs. If your project requires substantial capital, this lender could be a good fit.
With a year-over-year growth trend of 20%, ACNB Bank is expanding its lending activities. This growth suggests they may be more open to new borrowers and less likely to tighten lending criteria, which could be beneficial for your application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 32 504 loans, which use fixed SBA debenture rates.
States where ACNB Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
General Merchandise
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Real Estate
Real Estate
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for ACNB Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Maryland · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+2.25% | $292K | Q1 2018 |
| Maryland · Manufacturing · $500K – $1M | 504 | 3 | — | $619K | Q2 2025 |
| Pennsylvania · Manufacturing · $500K – $1M | 504 | 3 | — | $615K | Q3 2021 |
| Maryland · Restaurants & Food Service · $150K – $350K | 504 | 3 | — | $337K | Q3 2013 |
| Pennsylvania · Manufacturing · $2M – $5M | 504 | 2 | — | $3.9M | Q1 2021 |
| Pennsylvania · Manufacturing · $150K – $350K | 504 | 2 | — | $215K | Q3 2019 |
| Maryland · Engineering & Architecture · Under $150K | 7(a) | 2 | P+2.38% | $148K | Q1 2022 |
| Maryland · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+2.50% | $910K | Q2 2018 |
| Maryland · Auto Repair & Maintenance · $350K – $500K | 7(a) | 2 | P+1.88% | $480K | Q3 2019 |
| Maryland · General Merchandise · $150K – $350K | 7(a) | 2 | P+2.75% | $212K | Q1 2020 |
| Maryland · Real Estate · $2M – $5M | 7(a) | 2 | P+2.75% | $3.3M | Q1 2022 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $111K | Q3 2010 |
| Pennsylvania · Manufacturing · $1M – $2M | 504 | 2 | — | $1.1M | Q1 2020 |
| Maryland · Other Health Practitioners · $350K – $500K | 7(a) | 1 | P+2.75% | $385K | Q1 2011 |
| Maryland · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+2.75% | $165K | Q2 2018 |
| Maryland · Restaurants & Food Service · $1M – $2M | 7(a) | 1 | P+2.75% | $1.5M | Q1 2015 |
| Maryland · Restaurants & Food Service · $500K – $1M | 7(a) | 1 | P+2.50% | $600K | Q1 2014 |
| Maryland · Auto Repair & Maintenance · Under $150K | 7(a) | 1 | P+2.00% | $115K | Q3 2017 |
| Maryland · Auto Repair & Maintenance · $1M – $2M | 7(a) | 1 | P+2.25% | $1.0M | Q4 2016 |
| Maryland · Other Repair & Services · $500K – $1M | 7(a) | 1 | P+2.00% | $640K | Q2 2016 |
| Maryland · Manufacturing · Under $150K | 7(a) | 1 | P+2.00% | $140K | Q2 2011 |
| Maryland · Manufacturing · $2M – $5M | 7(a) | 1 | P+1.75% | $4.7M | Q2 2018 |
| Maryland · Wholesale Trade · Under $150K | 7(a) | 1 | P+2.25% | $100K | Q2 2018 |
| Maryland · Wholesale Trade · $150K – $350K | 7(a) | 1 | P+1.50% | $350K | Q3 2014 |
| Maryland · Wholesale Trade · $2M – $5M | 7(a) | 1 | P+2.25% | $3.2M | Q3 2025 |
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Real experiences from borrowers who closed SBA loans with ACNB Bank.
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