About Us

Committed to you.

NWSB Bank is your local source for banking expertise, products, services and technology to achieve your financial goals.

For over 165 years, we’ve stood side-by-side with our customers and partners across the region helping them achieve their financial goals. Along the way, we’ve celebrated some pretty big moments -- from new homes and cars to the first day of college or start of retirement. Every step of the way, NWSB Bank has been there as a trusted, lifelong financial partner. 

For everything you’re committed to, NWSB Bank is with you. 

Corporate Profile

NWSB Bank, a division of ACNB Bank, serves its local marketplace with banking and wealth management services, including trust and retail brokerage, via a network of five community banking offices located in Carroll County, MD. ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent financial holding company headquartered in Gettysburg, PA. ACNB Bank, including its two Maryland divisions, FCB Bank and NWSB Bank, provides financial services to customers with 26 community banking offices and three loan offices serving the Pennsylvania counties of Adams, Cumberland, Franklin and York and the Maryland counties of Baltimore, Carroll and Frederick. Affiliated with ACNB Bank is ACNB Insurance Services, Inc., of Westminster, MD, a full-service insurance agency with licenses in 44 states and the other wholly-owned subsidiary of ACNB Corporation.

Our Vision

To be the independent financial services provider of choice in the core markets served by building relationships and finding solutions.

A Community Promise 165 Years in the Making

Through the years, we have been there for our customers and shared communities by providing local support and financial solutions to achieve their goals. 

We believe that a thriving community is the best thing for our residents and businesses. That’s why NWSB Bank focuses on giving back and lending a hand whenever we can. Whether it’s volunteering, supporting local events, or helping our neighbors, NWSB Bank has built a reputation as a strong community partner.  

Community Promise

Lincoln Square at 1913

A History of Commitment

We continue to do business using the same 165-year-old principles to form personal relationships with our customers so that we can share their vision of success. NWSB Bank and ACNB Bank enjoy a shared vision of community banking to meet the needs of multiple generations. 

Operations Center

We're Still Local

Our focus continues to be central Maryland and southcentral Pennsylvania. Enjoy the convenience of banking at any of our NWSB Bank, FCB Bank, or ACNB Bank community banking offices. We have an experienced team of professional bankers dedicated to supporting the communities in which we live, work and play. 


Local Decisions

Important banking and loan decisions are still being made right here, by local people with our shared, local economy in mind. Whether you're looking for a personal or business account, you won't have to go far! NWSB Bank has everything you need, all in one convenient place.


Investor Relations

Find out more about ACNB Corporation.



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