Farming is Hard Work and a Complex Industry

You deserve a financial partner who understands the local community and the demands of the agriculture industry. That’s why we have a dedicated Agribusiness team.

Committed to Agribusiness

Agribusiness is a combination of the words "agriculture" and "business". It involves all that is required to send agricultural goods to market by production, processing and distributing. No matter where you are in your financial or business journey, we’re ready to help. Our dedicated Agribusiness team has specialized and personal experience working in the industry.

Who We Serve

  • Crop producers
  • Beef and contract livestock producers
  • Dairy farmers
  • Fruit growers
  • Farm equipment dealers

Products & Services

  • Short-term demand loans
  • Working capital loans
  • Farm financing and farm loans
  • Lines of credit
  • Installment loans
  • Small business loans
  • Equipment financing 
  • Deposit accounts
  • Retirement plans
  • Transition planning
  • Farm equipment loans

ACNB Bank Agribusiness Slide Show

Committed to Local Farms

Our Agribusiness team members live in the communities we serve. When we work with our customers, we’re also working with our neighbors.

Agribusiness Team

Agribusiness Team

Gabe Zepp, Wayne Steinour and Andrea Foore


“Z&Z Farms would truly not be where we are today without Wayne Steinour and ACNB Bank. Every step of the way Wayne and his team were there to support, offer advice, and walk us through the details, no matter how big or small.”

“Andrea knows agriculture and is ‘one of us.’ She can relate to a farmer and cares not only about farm financials, but also can talk cows, equipment, crops, or any other issue that makes our farm successful. Both Andrea and Wayne have an enthusiasm for agriculture—and it’s contagious!”

“When we began our new adventure, West Winds Farm, Gabe Zepp helped us navigate all the loan requirements and paperwork. What started as a dream is now a full-fledged working farm, with hay in the barns, calves, lambs and kids on the way, and happy grandchildren riding their pony. We owe Gabe huge gratitude for his part in helping find our new place.”


ACNB Bank is committed to our customers like Elisha Abbott and John Boyer of Brown's Ranch, a historic 232-acre beef cattle farm in Gettysburg. The farm served as Lieut. General Ambrose Powell "A.P." Hill Headquarters during the Battle of Gettysburg in July 1863. We're proud that Elisha, John and Brown's Ranch can rely on ACNB Bank to be there to meet their Agribusiness needs. 


ACNB Bank is committed to our customers like John Jr. and Deb Winand of Double-W Farms. they purchased the 19-acre poultry farm to increase the family's poultry operations in Adams County, PA. We're proud that Deborah, John and Double-W Farms can rely on ACNB Bank to be there to meet their Agribusiness needs.

Farm Succession Planning

Whether you’re getting started, on your way, or ready to transition to the next generation, our Wealth Management team can help create, review, and guide your next steps.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Get Started

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Talk with a local Agribusiness lender

We live and work here, giving you access to local experts that can help find the best agribusiness loan option for your unique needs.

Meet the Team

Visit an Office

Our friendly, knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

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Agribusiness Blog

Learn, explore, and stay up to date with the latest news and articles.

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