| $150,000–350,000 | MIDDLETOWN UNITED METHODIST CHURCH INC | Middletown, MD | ACNB Bank |
| $150,000–350,000 | MONOCACY START CENTER INC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | MONOCACY START CENTER, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | MONTESSORI SCHOOL OF WESTMINSTER | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | MT NEBO UNITED METHODIST CHURCH | Boonsboro, MD | ACNB Bank |
| $150,000–350,000 | MT. AIRY INN, LLC | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | MT. NEBO UNITED METHODIST CHURCH | BOONSBORO, MD | ACNB Bank |
| $150,000–350,000 | NAPOLI, INC. | MOUNT AIRY, MD | ACNB Bank |
| $350,000–1 million | NEW ERA CUSTOM DESIGN & CABINET WORKS INC. | Frederick, MD | ACNB Bank |
| $350,000–1 million | NEW ERA CUSTOM DESIGN AND CABINET WORKS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | NEW LINE ELECTRIC LLC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | NEW OXFORD SOCIAL AND ATHLETIC CLUB | New Oxford, PA | ACNB Bank |
| $150,000–350,000 | NEW YORK, NEW YORK SALON, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | NORTH STAR FOUNDATIONS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | OAK BLUFF FARMS LLC | WOODSBORO, MD | ACNB Bank |
| $150,000–350,000 | OCKER & ASSOCIATES | FAYETTEVILLE, PA | ACNB Bank |
| $150,000–350,000 | OPEN PROFESSIONAL GROUP, INC | Westminster, MD | ACNB Bank |
| $350,000–1 million | ORASES CONSULTING CORPORATON | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PARLIGHTS CONCERT LIGHTING INC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | PARLIGHTS CONCERT LIGHTING, INC. | FREDERICK, MD | ACNB Bank |
| $1–2 million | PENN WOOD PRODUCTS, INC. | EAST BERLIN, PA | ACNB Bank |
| $150,000–350,000 | PFG CAPITAL, INC. | YORK, PA | ACNB Bank |
| $350,000–1 million | PFG CONSTRUCTION LLC | York, PA | ACNB Bank |
| $350,000–1 million | PFG CONSTRUCTION, LLC | YORK, PA | ACNB Bank |
| $350,000–1 million | POSITIVE TECHNOLOGY.COM INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PROCESS CONTROL SPECIALISTS, INC. | DILLSBURG, PA | ACNB Bank |
| $350,000–1 million | PROPERTY MANAGEMENT PEOPLE, INC. | Frederick, MD | ACNB Bank |
| $150,000–350,000 | PROTEC GLASS, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | PULSE TRANSPORT, INC. | GLENVILLE, PA | ACNB Bank |
| $350,000–1 million | R D BOWMAN & SONS INC | WESTMINSTER, MD | ACNB Bank |
| $350,000–1 million | RATH ENTERPRISES, INC. | WASHINGTON, DC | ACNB Bank |
| $150,000–350,000 | RDM GROUP INC | Mount Airy, MD | ACNB Bank |
| $150,000–350,000 | RDM GROUP, INC. | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | REV DRILL SALES & RENTALS, INC. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | REV DRILL SALES RENTALS INC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | RIPTIDE PROPERTY MAINTENANCE LLC | Harrisburg, PA | ACNB Bank |
| $150,000–350,000 | RIPTIDE PROPERTY MAINTENANCE, LLC | HARRISBURG, PA | ACNB Bank |
| $350,000–1 million | ROBERT A. AIRD INC. | Frederick, MD | ACNB Bank |
| $350,000–1 million | ROBERT A. AIRD, INC. | Frederick, MD | ACNB Bank |
| $350,000–1 million | ROBERT W SHECKLES INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | ROBERT W SHECKLES INC | Frederick, MD | ACNB Bank |
| $350,000–1 million | ROYAL ELECTRIC, INC. | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | RYAN ELECTRIC LLC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SABA DIRECT, LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SAINT JOHNS CATHOLIC CHURCH | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SALEM HOSPITALITY LLC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | SALEM HOSPITALITY LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SCHAEFER MECHANICAL SERVICES INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | SEA HEN ENTERPRISES LLC | Frederick, MD | ACNB Bank |
| $5–10 million | SERVICE COORDINATION, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SERVICE GLASS INDUSTRIES, INC | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SHAFER, TROXELL & HOWE, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | SHANNON-BAUM SIGNS INC. | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | SHARRAH DESIGN GROUP INC | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | SITE MANAGEMENT INC | Silver Spring, MD | ACNB Bank |
| $150,000–350,000 | SITE MANAGEMENT, INC | SILVER SPRING, MD | ACNB Bank |
| $150,000–350,000 | SON OF MEXICO LLC | Frederick, MD | ACNB Bank |
| $1–2 million | SPARTAN ENTERPRISES LLC | IJAMSVILLE, MD | ACNB Bank |
| $150,000–350,000 | SPECTRUM ENVIRONMENTAL SCIENCE | Frederick, MD | ACNB Bank |
| $150,000–350,000 | SPECTRUM ENVIRONMENTAL SCIENCES, INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | SPECTRUM INDUSTRIAL COATINGS INC | Saint Thomas, PA | ACNB Bank |
| $150,000–350,000 | SPECTRUM INDUSTRIAL COATINGS, INC. | SAINT THOMAS, PA | ACNB Bank |
| $5–10 million | SPIRITRUST LUTHERAN | York, PA | ACNB Bank |
| $150,000–350,000 | ST JOHN'S, WESTMINSTER, ROMAN CATHOLIC CONGREGATION, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | ST. JAMES LUTHERAN CHURCH | GETTYSBURG, PA | ACNB Bank |
| $350,000–1 million | STAFF MUSIC & AMUSEMENTS, INC. | HANOVER, PA | ACNB Bank |
| $150,000–350,000 | STAFF MUSIC AND AMUSEMENTS INC | Hanover, PA | ACNB Bank |
| $150,000–350,000 | STAMBAUGH'S WELDING, INC. | UNION BRIDGE, MD | ACNB Bank |
| $350,000–1 million | STAUFFER FUNERAL HOMES, P.A. | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | STEVEN R. ALLGAIER O.D. P.A. | Walkerville, MD | ACNB Bank |
| $150,000–350,000 | SUBSURFACE TECHNOLOGIES, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | SWEETWATER PROPANE INC. | Ephrata, PA | ACNB Bank |
| $150,000–350,000 | SWEETWATER PROPANE INC. | EPHRATA, PA | ACNB Bank |
| $1–2 million | TARGET COMMUNITY & EDUCATION SERVICES, INC. | Westminster, MD | ACNB Bank |
| $350,000–1 million | TAURASO FOOD GROUP LLC | Frederick, MD | ACNB Bank |
| $350,000–1 million | TAURASO FOOD GROUP, LLC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | TAVERNA INC | Fairfield, PA | ACNB Bank |
| $150,000–350,000 | TAYLORSVILLE VETERINARY CLINIC | MOUNT AIRY, MD | ACNB Bank |
| $150,000–350,000 | TEABOW, INC. | Walkerville, MD | ACNB Bank |
| $150,000–350,000 | THE 516 BALTIMORE STREET INN OF GETTYSBURG INC. | Gettysburg, PA | ACNB Bank |
| $1–2 million | THE ARC OF CARROLL COUNTY, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | THE CHURCH OF THE BRETHREN OF FREDERICK, MARYLAND | Frederick, MD | ACNB Bank |
| $150,000–350,000 | THE FREDERICK SPORT AND SPINE | FREDERICK, MD | ACNB Bank |
| $1–2 million | THE PEDIATRIC CENTER OF FREDERICK | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | THE RANCH INC. | Frederick, MD | ACNB Bank |
| $150,000–350,000 | THE RANCH, INC. | FREDERICK, MD | ACNB Bank |
| $350,000–1 million | THE RISER ACADEMIES INC | Frederick, MD | ACNB Bank |
| $350,000–1 million | THE RISER ACADEMIES INC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | THE SPA AT ROOP'S MILL INC | Westminster, MD | ACNB Bank |
| $150,000–350,000 | THE SPA AT ROOP'S MILL, INC. | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | THE STURGES FAMILY LLC | FREDERICK, MD | ACNB Bank |
| $150,000–350,000 | THE UPPER CRUST LLC | Gettysburg, PA | ACNB Bank |
| $150,000–350,000 | THE UPPER CRUST LLC | GETTYSBURG, PA | ACNB Bank |
| $150,000–350,000 | THE WELL WORKPLACE LLC | Sykesville, MD | ACNB Bank |
| $150,000–350,000 | THE WELL WORKPLACE, LLC | SYKESVILLE, MD | ACNB Bank |
| $150,000–350,000 | THE WINDER COMPANY | Frederick, MD | ACNB Bank |
| $150,000–350,000 | THOMAS SCOTT SALON AND SPA INC | Frederick, MD | ACNB Bank |
| $150,000–350,000 | THOMAS SCOTT SALON AND SPA, INC. | Frederick, MD | ACNB Bank |
| $350,000–1 million | TIM KYLE COMPANY INC | WESTMINSTER, MD | ACNB Bank |
| $150,000–350,000 | TODD AUTO BODY INC | Greencastle, PA | ACNB Bank |