Commercial Loan Swaps/Derivatives

ACBB is now offering commercial loan swaps. For further information please reach out to your commercial loan officer or Bill Sayre at (717) 441-4714.

Loan Participations and Sub-Participations

ACBB is an active purchaser of participation interests in commercial loans. As a bankers bank, our charter prohibits us from doing business with the public, so we’ll never compete for your customer.

Letters of Credit

We offer letter of credit services to banks and their clients.

  • Standby Letters of Credit
  • Import/Commercial Letters of Credit
  • Cash secured by establishing CD with ACBB

Contact us to learn more.

Direct Loans


ACBB’s Bank Stock Loan program is available to bank directors, senior officers and major shareholders. These loans can be used to purchase additional shares of common or preferred stock, thereby helping your institution raise additional capital. The borrower can pledge existing shares of common or preferred stock, shares they are purchasing in a new stock offering, or a combination of the two. Financing can be provided both short-term and long-term. The pledged shares are held with ACBB as collateral until the loan is repaid in full, with the loan-to-collateral margin typically being 50%.


  • ESOP Loans
  • Bank Branch Construction and Purchase Loans

Contact us to learn more.

Bank Holding Company Lines of Credit


ACBB offers term loans and lines of credit to bank holding companies. Borrowed funds can be down-streamed to the bank subsidiary and qualify as Tier 1 capital, bolstering the bank’s capital ratios and supporting the growth of the bank. Bank holding companies with $1 billion or less in assets may take advantage of other provisions within the Small Bank Holding Company Act.

Extending this product offering to intermediate longer term facilities can be an important strategic alternative versus raising capital, without the negative effects of dilution to your shareholders. This structure is also an alternative to Subordinated Debt that typically carries significantly higher borrowing costs and less flexibility (e.g. no calls or prepayment for five years).

Contact us to learn more.