<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e27d1-9209-7bbe-b51a-f5090eaa0770,g:faa2f04a-593d-4a5f-a2ec-d1340fe3f695-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCONDITIONUNAUDITED" xlink:type="simple" xlink:href="acnb-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCONDITIONUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCONDITIONUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e27d1-967d-7842-950f-dbcc06bb716e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_CommonStockValue_019e27d1-967d-7842-950f-dbcc06bb716e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValue_019e27d1-967d-7030-96f8-4aa2822dcc9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockValue"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_TreasuryStockValue_019e27d1-967d-7030-96f8-4aa2822dcc9e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019e27d1-967d-719b-92c9-371aca8e078a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019e27d1-967d-719b-92c9-371aca8e078a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e27d1-967d-7d60-9647-89ecfd514180" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e27d1-967d-7d60-9647-89ecfd514180" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e27d1-967d-74de-82c1-ce391cc3adae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e27d1-967d-74de-82c1-ce391cc3adae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019e27d1-967d-711a-9bcf-c02cf9a7a806" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e27d1-967d-73d5-8b1e-dc207fc5efd6" xlink:to="loc_us-gaap_PreferredStockValue_019e27d1-967d-711a-9bcf-c02cf9a7a806" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967d-7ad3-a31e-3d36babaf23f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967d-7ad3-a31e-3d36babaf23f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_019e27d1-967d-78b8-9b43-a7e3ed6e214e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_019e27d1-967d-78b8-9b43-a7e3ed6e214e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967d-71ff-aa30-2975413255f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967d-71ff-aa30-2975413255f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e27d1-967d-7c21-a0ab-70eae75fe154" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e27d1-967d-7c21-a0ab-70eae75fe154" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019e27d1-967d-72aa-8dcd-47d38357b79e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019e27d1-967d-72aa-8dcd-47d38357b79e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e27d1-967d-7d5b-a67d-55769cc76b81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019e27d1-967d-7d5b-a67d-55769cc76b81" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e27d1-967d-7656-a0bf-dafca82f174f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e27d1-967d-7656-a0bf-dafca82f174f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e27d1-967d-741b-94d0-4bbdd0c300ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_Goodwill_019e27d1-967d-741b-94d0-4bbdd0c300ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_RestrictedInvestmentInBankStocks_019e27d1-967d-7365-9f8f-add49be66e0d" xlink:href="acnb-20260630.xsd#acnb_RestrictedInvestmentInBankStocks"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_acnb_RestrictedInvestmentInBankStocks_019e27d1-967d-7365-9f8f-add49be66e0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019e27d1-967d-7df6-88a0-2c36a6f8d9d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019e27d1-967d-7df6-88a0-2c36a6f8d9d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e27d1-967d-72db-9759-4118bc77394d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e27d1-967d-72db-9759-4118bc77394d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_019e27d1-967d-7e91-9d9f-33e157d00321" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_019e27d1-967d-7e91-9d9f-33e157d00321" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e27d1-967d-7b63-9713-f798dbcbb929" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_OtherAssets_019e27d1-967d-7b63-9713-f798dbcbb929" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019e27d1-967d-7a69-a710-e6086d54f52b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_NotesReceivableNet_019e27d1-967d-7a69-a710-e6086d54f52b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019e27d1-967d-744a-9bae-c9667f50043a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e27d1-967d-710a-9f03-1e5c729231f6" xlink:to="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019e27d1-967d-744a-9bae-c9667f50043a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e27d1-967d-76a6-937f-21fb9e2518c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019e27d1-967d-72ca-8fed-caa0f790b75b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e27d1-967d-76a6-937f-21fb9e2518c6" xlink:to="loc_us-gaap_CashAndDueFromBanks_019e27d1-967d-72ca-8fed-caa0f790b75b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_019e27d1-967d-75e0-b473-172fc2c1532b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e27d1-967d-76a6-937f-21fb9e2518c6" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_019e27d1-967d-75e0-b473-172fc2c1532b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e27d1-967d-7150-9174-e791ef3bfbfc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e27d1-967d-757d-800b-3054364ab808" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e27d1-967d-7150-9174-e791ef3bfbfc" xlink:to="loc_us-gaap_Liabilities_019e27d1-967d-757d-800b-3054364ab808" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e27d1-967d-752e-a18c-eebcbaf268c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e27d1-967d-7150-9174-e791ef3bfbfc" xlink:to="loc_us-gaap_StockholdersEquity_019e27d1-967d-752e-a18c-eebcbaf268c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e27d1-967d-79ab-aa8a-cf4c3e8a47f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_019e27d1-967d-734d-aec9-b44da4093a3a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e27d1-967d-79ab-aa8a-cf4c3e8a47f3" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_019e27d1-967d-734d-aec9-b44da4093a3a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesDomestic_019e27d1-967d-7b42-b9c6-642e57f18076" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e27d1-967d-79ab-aa8a-cf4c3e8a47f3" xlink:to="loc_us-gaap_InterestBearingDepositLiabilitiesDomestic_019e27d1-967d-7b42-b9c6-642e57f18076" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e27d1-967d-754c-9f12-e9dde0befcb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_us-gaap_Deposits_019e27d1-967d-754c-9f12-e9dde0befcb1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_019e27d1-967d-76ae-929f-db7db82b5c7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_us-gaap_ShortTermBorrowings_019e27d1-967d-76ae-929f-db7db82b5c7d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019e27d1-967d-7559-b305-5195d77716e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_us-gaap_LongTermDebt_019e27d1-967d-7559-b305-5195d77716e4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019e27d1-967d-79d4-9f3a-d4a2a859b0c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_us-gaap_OperatingLeaseLiability_019e27d1-967d-79d4-9f3a-d4a2a859b0c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_FinancingReceivableAllowanceForUnfundedCommitments_019e27d1-967d-7653-914c-18a5ba8401f2" xlink:href="acnb-20260630.xsd#acnb_FinancingReceivableAllowanceForUnfundedCommitments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_acnb_FinancingReceivableAllowanceForUnfundedCommitments_019e27d1-967d-7653-914c-18a5ba8401f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019e27d1-967d-7560-9f4e-18f351c17e94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e27d1-967d-74d6-bd2d-b63ebb4a42b2" xlink:to="loc_us-gaap_OtherLiabilities_019e27d1-967d-7560-9f4e-18f351c17e94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019e27d1-967d-71f6-b343-33c31b81a911" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_FinancingReceivableBeforeAllowanceForCreditLossAfterUnearnedIncome_019e27d1-967d-7f93-bc80-61f8ec5707c1" xlink:href="acnb-20260630.xsd#acnb_FinancingReceivableBeforeAllowanceForCreditLossAfterUnearnedIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e27d1-967d-71f6-b343-33c31b81a911" xlink:to="loc_acnb_FinancingReceivableBeforeAllowanceForCreditLossAfterUnearnedIncome_019e27d1-967d-7f93-bc80-61f8ec5707c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019e27d1-967d-7833-9f25-f8d03afa503d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e27d1-967d-71f6-b343-33c31b81a911" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019e27d1-967d-7833-9f25-f8d03afa503d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED" xlink:type="simple" xlink:href="acnb-20260630.xsd#CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7634-9e3d-43f93df97193" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRevenueExpenseNet_019e27d1-967e-7b35-9a3d-e53e0488f0e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRevenueExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7634-9e3d-43f93df97193" xlink:to="loc_us-gaap_InterestRevenueExpenseNet_019e27d1-967e-7b35-9a3d-e53e0488f0e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019e27d1-967e-7232-a6f3-65793864d5ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7634-9e3d-43f93df97193" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019e27d1-967e-7232-a6f3-65793864d5ad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_ReversalOfProvisionForUnfundedCommitments_019e27d1-967e-7b05-a3d6-c6458608be91" xlink:href="acnb-20260630.xsd#acnb_ReversalOfProvisionForUnfundedCommitments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7634-9e3d-43f93df97193" xlink:to="loc_acnb_ReversalOfProvisionForUnfundedCommitments_019e27d1-967e-7b05-a3d6-c6458608be91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_InterestAndFeeIncomeLoansAndLeasesTaxable_019e27d1-967e-72ec-af78-0c4be1f5aec8" xlink:href="acnb-20260630.xsd#acnb_InterestAndFeeIncomeLoansAndLeasesTaxable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_acnb_InterestAndFeeIncomeLoansAndLeasesTaxable_019e27d1-967e-72ec-af78-0c4be1f5aec8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_InterestAndFeeIncomeLoansAndLeasesTaxExempt_019e27d1-967e-72fd-8da7-258ce3432b65" xlink:href="acnb-20260630.xsd#acnb_InterestAndFeeIncomeLoansAndLeasesTaxExempt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_acnb_InterestAndFeeIncomeLoansAndLeasesTaxExempt_019e27d1-967e-72fd-8da7-258ce3432b65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable_019e27d1-967e-7b85-90f3-343dfbdfe56a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesTaxable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxable_019e27d1-967e-7b85-90f3-343dfbdfe56a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_019e27d1-967e-78f5-affd-0d71c73aaf2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_019e27d1-967e-78f5-affd-0d71c73aaf2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating_019e27d1-967e-7549-b84c-5afa8853e5d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendIncomeOperating"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_us-gaap_DividendIncomeOperating_019e27d1-967e-7549-b84c-5afa8853e5d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome_019e27d1-967e-72d8-8aec-54addead0d93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7ca8-9753-ae64cf0eef49" xlink:to="loc_us-gaap_OtherInterestAndDividendIncome_019e27d1-967e-72d8-8aec-54addead0d93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRevenueExpenseNet_019e27d1-967e-75f8-9ac0-94919ae796f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRevenueExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019e27d1-967e-7cfa-b517-c0466efc25c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestRevenueExpenseNet_019e27d1-967e-75f8-9ac0-94919ae796f6" xlink:to="loc_us-gaap_InterestExpense_019e27d1-967e-7cfa-b517-c0466efc25c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7b48-9651-d6a488f15b69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestRevenueExpenseNet_019e27d1-967e-75f8-9ac0-94919ae796f6" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-967e-7b48-9651-d6a488f15b69" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_FdicAndRegulatory_019e27d1-967d-79c6-8ea7-bdc8a76a9557" xlink:href="acnb-20260630.xsd#acnb_FdicAndRegulatory"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_acnb_FdicAndRegulatory_019e27d1-967d-79c6-8ea7-bdc8a76a9557" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019e27d1-967d-7d97-b087-2efb5eff9171" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_ProfessionalFees_019e27d1-967d-7d97-b087-2efb5eff9171" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_019e27d1-967d-734e-9256-b6b87e6038f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_OtherNoninterestExpense_019e27d1-967d-734e-9256-b6b87e6038f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesOther_019e27d1-967d-7d61-bb05-80131ae87fcd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TaxesOther"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_TaxesOther_019e27d1-967d-7d61-bb05-80131ae87fcd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019e27d1-967d-774d-b11a-5091a7676c85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019e27d1-967d-774d-b11a-5091a7676c85" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019e27d1-967d-7aec-be4e-6accd17c2de5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019e27d1-967d-7aec-be4e-6accd17c2de5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019e27d1-967d-7527-b4b9-3ba8af3171c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019e27d1-967d-7527-b4b9-3ba8af3171c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentExpense_019e27d1-967e-7fe2-80ed-c0376e18c591" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquipmentExpense"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_EquipmentExpense_019e27d1-967e-7fe2-80ed-c0376e18c591" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019e27d1-967e-759e-b257-6d5c8a16a823" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OccupancyNet"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e27d1-967d-7df1-a631-2e15739588c1" xlink:to="loc_us-gaap_OccupancyNet_019e27d1-967e-759e-b257-6d5c8a16a823" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019e27d1-967e-7b1f-abdb-bf8197b0d857" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDomesticDeposits_019e27d1-967e-75ef-b26f-999aee836cdd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDomesticDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_019e27d1-967e-7b1f-abdb-bf8197b0d857" xlink:to="loc_us-gaap_InterestExpenseDomesticDeposits_019e27d1-967e-75ef-b26f-999aee836cdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings_019e27d1-967e-7a78-b53c-ee24de493c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_019e27d1-967e-7b1f-abdb-bf8197b0d857" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowings_019e27d1-967e-7a78-b53c-ee24de493c3a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_019e27d1-967e-76cf-acd5-279a2957f326" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_019e27d1-967e-7b1f-abdb-bf8197b0d857" xlink:to="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_019e27d1-967e-76cf-acd5-279a2957f326" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e27d1-967e-7e56-9a50-95e114d70dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019e27d1-967e-7ea5-abd5-8b0a3fc14b6e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e27d1-967e-7e56-9a50-95e114d70dd9" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_019e27d1-967e-7ea5-abd5-8b0a3fc14b6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7cba-b0c1-7edd13cc512d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e27d1-967e-7e56-9a50-95e114d70dd9" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7cba-b0c1-7edd13cc512d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7062-8d7c-10965ee9b0af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019e27d1-967e-773b-8ebf-61825f8ca941" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7062-8d7c-10965ee9b0af" xlink:to="loc_us-gaap_NoninterestExpense_019e27d1-967e-773b-8ebf-61825f8ca941" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e27d1-967e-750f-8d69-5c9b8ae7f836" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7062-8d7c-10965ee9b0af" xlink:to="loc_us-gaap_NoninterestIncome_019e27d1-967e-750f-8d69-5c9b8ae7f836" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7baa-98dc-ba02bcd84e29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-967e-7062-8d7c-10965ee9b0af" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e27d1-967e-7baa-98dc-ba02bcd84e29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_019e27d1-967e-706b-bc9d-508aaba3dafc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_019e27d1-967e-706b-bc9d-508aaba3dafc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e27d1-967e-723f-88f0-e60171d7888f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e27d1-967e-723f-88f0-e60171d7888f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e27d1-967e-7a8e-93e7-8f411ec27026" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e27d1-967e-7a8e-93e7-8f411ec27026" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_GainLossOnLifeInsuranceProceeds_019e27d1-967e-7a25-a02c-18ba53704c77" xlink:href="acnb-20260630.xsd#acnb_GainLossOnLifeInsuranceProceeds"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_acnb_GainLossOnLifeInsuranceProceeds_019e27d1-967e-7a25-a02c-18ba53704c77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e27d1-967e-724f-93f5-752597bfd7c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e27d1-967e-724f-93f5-752597bfd7c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_019e27d1-967e-7a87-99cd-789b355e2b12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_019e27d1-967e-7a87-99cd-789b355e2b12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfAssetsAndAssetImpairmentCharges_019e27d1-967e-76e0-9b33-be94a67b5b4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfAssetsAndAssetImpairmentCharges"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_GainLossOnSalesOfAssetsAndAssetImpairmentCharges_019e27d1-967e-76e0-9b33-be94a67b5b4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019e27d1-967e-7fcf-8d2f-bb5017670f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e27d1-967e-7b28-a403-d05ae5dba846" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019e27d1-967e-7fcf-8d2f-bb5017670f8d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="simple" xlink:href="acnb-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019e27d1-967e-7b2c-b8c4-f3bd592352f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e27d1-967e-7db0-bf22-de8097a88561" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019e27d1-967e-7b2c-b8c4-f3bd592352f6" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e27d1-967e-7db0-bf22-de8097a88561" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019e27d1-967e-7114-adf7-3eaa0aaa21c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019e27d1-967e-7b2c-b8c4-f3bd592352f6" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019e27d1-967e-7114-adf7-3eaa0aaa21c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e27d1-967e-741e-b8c3-da017e4d13ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e27d1-967e-74f6-afb7-b965851c1434" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e27d1-967e-741e-b8c3-da017e4d13ac" xlink:to="loc_us-gaap_NetIncomeLoss_019e27d1-967e-74f6-afb7-b965851c1434" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-7775-a675-50fdc8ba4c7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e27d1-967e-741e-b8c3-da017e4d13ac" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-7775-a675-50fdc8ba4c7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-79c7-b929-30aad5195623" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019e27d1-967e-73db-8d96-632bf1643b61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-79c7-b929-30aad5195623" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019e27d1-967e-73db-8d96-632bf1643b61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_OCIDebtSecuritiesHeldToMaturityTransferFromAvailableForSaleUnrealizedHoldingGainLossBeforeAdjustmentAfterTax_019e27d1-967e-7001-a898-46b302b70741" xlink:href="acnb-20260630.xsd#acnb_OCIDebtSecuritiesHeldToMaturityTransferFromAvailableForSaleUnrealizedHoldingGainLossBeforeAdjustmentAfterTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-79c7-b929-30aad5195623" xlink:to="loc_acnb_OCIDebtSecuritiesHeldToMaturityTransferFromAvailableForSaleUnrealizedHoldingGainLossBeforeAdjustmentAfterTax_019e27d1-967e-7001-a898-46b302b70741" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019e27d1-967e-7f98-985c-b5bb08dbe159" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-79c7-b929-30aad5195623" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019e27d1-967e-7f98-985c-b5bb08dbe159" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodNetOfTax_019e27d1-967e-7683-ba32-0634dcc74c24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e27d1-967e-79c7-b929-30aad5195623" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodNetOfTax_019e27d1-967e-7683-ba32-0634dcc74c24" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019e27d1-967e-7317-b9c6-7329f3b4a4fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019e27d1-967e-76c5-ba65-7d9800f37b12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019e27d1-967e-7317-b9c6-7329f3b4a4fb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019e27d1-967e-76c5-ba65-7d9800f37b12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e27d1-967e-7d47-a664-321036a6741a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019e27d1-967e-7317-b9c6-7329f3b4a4fb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e27d1-967e-7d47-a664-321036a6741a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" xlink:type="simple" xlink:href="acnb-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e27d1-967e-7749-8d75-5cbe338bb2a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_NetIncomeLoss_019e27d1-967e-7749-8d75-5cbe338bb2a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019e27d1-967e-7fc6-b7b0-aee2598310ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019e27d1-967e-7fc6-b7b0-aee2598310ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e27d1-967e-7c1a-841c-8163559bc782" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e27d1-967e-7c1a-841c-8163559bc782" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e27d1-967e-7383-ae05-b154457fae9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e27d1-967e-7383-ae05-b154457fae9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_019e27d1-967e-7bb9-9ba2-e3958974c493" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_019e27d1-967e-7bb9-9ba2-e3958974c493" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_GainLossOnSalesOfLoansPropertyAndForeclosedRealEstate_019e27d1-967e-7af2-89f2-08d207a8da86" xlink:href="acnb-20260630.xsd#acnb_GainLossOnSalesOfLoansPropertyAndForeclosedRealEstate"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_acnb_GainLossOnSalesOfLoansPropertyAndForeclosedRealEstate_019e27d1-967e-7af2-89f2-08d207a8da86" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockExpense_019e27d1-967e-7e13-a66d-4448806163f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedStockExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_RestrictedStockExpense_019e27d1-967e-7e13-a66d-4448806163f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDepreciationAndAmortization_019e27d1-967e-7d74-95a4-c02889c0fe3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDepreciationAndAmortization"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_OtherDepreciationAndAmortization_019e27d1-967e-7d74-95a4-c02889c0fe3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_NetAmortizationOfPurchaseAccountingAdjustments_019e27d1-967e-7844-b020-a23d8946e8e5" xlink:href="acnb-20260630.xsd#acnb_NetAmortizationOfPurchaseAccountingAdjustments"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_acnb_NetAmortizationOfPurchaseAccountingAdjustments_019e27d1-967e-7844-b020-a23d8946e8e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForOtherCreditLosses_019e27d1-967e-73f3-b59a-d7dd78df6d28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForOtherCreditLosses"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_ProvisionForOtherCreditLosses_019e27d1-967e-73f3-b59a-d7dd78df6d28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019e27d1-967e-705c-8535-41b166f1f2ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019e27d1-967e-705c-8535-41b166f1f2ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019e27d1-967e-77a1-93ea-9d1d48975b2e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019e27d1-967e-77a1-93ea-9d1d48975b2e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019e27d1-967e-7e84-b825-8e8c2813c6e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019e27d1-967e-7e84-b825-8e8c2813c6e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_019e27d1-967e-7885-948c-45d26a32c99e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_019e27d1-967e-7885-948c-45d26a32c99e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019e27d1-967e-77f4-9b6b-52fa9bb16743" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019e27d1-967e-77f4-9b6b-52fa9bb16743" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e27d1-967e-7ca7-b2fc-c059a464dbfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e27d1-967e-7ca7-b2fc-c059a464dbfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e27d1-967e-7734-9848-4922ad0a4ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e27d1-967e-7734-9848-4922ad0a4ea5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019e27d1-967e-7da2-84f3-6b4ca4ce86b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019e27d1-967e-7da2-84f3-6b4ca4ce86b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_019fb47c-dc74-791a-b424-849981e59cf4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-7166-ba62-97389fd93f19" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_019fb47c-dc74-791a-b424-849981e59cf4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDemandDeposits_019e27d1-967e-7813-aca2-ea1cca9eb60b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDemandDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_IncreaseDecreaseInDemandDeposits_019e27d1-967e-7813-aca2-ea1cca9eb60b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTimeDeposits_019e27d1-967e-758c-90f2-2673464a4ef1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInTimeDeposits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_IncreaseDecreaseInTimeDeposits_019e27d1-967e-758c-90f2-2673464a4ef1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_019e27d1-967e-7ef3-8c04-a365983ba3ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_019e27d1-967e-7ef3-8c04-a365983ba3ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019e27d1-967e-7f18-9fdd-c80d1ba5c265" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019e27d1-967e-7f18-9fdd-c80d1ba5c265" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_019e27d1-967e-7ed1-a640-df1c66d7d6d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_019e27d1-967e-7ed1-a640-df1c66d7d6d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019e27d1-967e-7e16-89b0-3bd3a5a21ab6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019e27d1-967e-7e16-89b0-3bd3a5a21ab6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e27d1-967e-75e2-9610-9418a1e1933d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e27d1-967e-75e2-9610-9418a1e1933d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e27d1-967e-7de2-9e8c-8eb7f6449aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7c52-a5c2-066e395ff880" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e27d1-967e-7de2-9e8c-8eb7f6449aeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e27d1-967e-7c5d-bc60-bf546a738bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-73d3-8fac-f547fdea47ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e27d1-967e-7c5d-bc60-bf546a738bfe" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e27d1-967e-73d3-8fac-f547fdea47ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7d3e-a622-7f605d5265fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e27d1-967e-7c5d-bc60-bf546a738bfe" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7d3e-a622-7f605d5265fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7121-90c8-2ed7fc74ab0e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e27d1-967e-7c5d-bc60-bf546a738bfe" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e27d1-967e-7121-90c8-2ed7fc74ab0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019e27d1-967e-710e-847f-4715d6b1aa5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019e27d1-967e-710e-847f-4715d6b1aa5c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e27d1-967e-71d3-bcac-05ff584a1117" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e27d1-967e-71d3-bcac-05ff584a1117" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e27d1-967e-765c-97d1-0ce98d18523d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e27d1-967e-765c-97d1-0ce98d18523d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e27d1-967e-7dc7-af80-ad2b5e45d095" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e27d1-967e-7dc7-af80-ad2b5e45d095" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_019e27d1-967e-7b67-a7f6-d131a5128846" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_019e27d1-967e-7b67-a7f6-d131a5128846" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_019e27d1-967e-7b4f-a83f-0e55b267eff5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_019e27d1-967e-7b4f-a83f-0e55b267eff5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_GainLossOnLifeInsuranceProceeds_019e27d1-967e-72b2-9498-d6daf86f2d18" xlink:href="acnb-20260630.xsd#acnb_GainLossOnLifeInsuranceProceeds"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_acnb_GainLossOnLifeInsuranceProceeds_019e27d1-967e-72b2-9498-d6daf86f2d18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019e27d1-967e-7dbb-8de2-359443727714" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019e27d1-967e-7dbb-8de2-359443727714" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e27d1-967e-7d77-960a-90d0a0ee15ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e27d1-967e-7d77-960a-90d0a0ee15ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_019e27d1-967e-7a3c-acc9-86710b00d3a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfPropertyHeldForSale"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e27d1-967e-7a52-9e37-3eb68b41d316" xlink:to="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_019e27d1-967e-7a3c-acc9-86710b00d3a8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofSecuritiesDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#InvestmentSecuritiesScheduleofAmortizedCostandFairValueofSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValueofSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-7d75-8e8e-ac18190c64c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e27d1-967e-75f0-bcb8-698b4bb0e321" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-7d75-8e8e-ac18190c64c6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e27d1-967e-75f0-bcb8-698b4bb0e321" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e27d1-967e-7149-a4da-ac63fb33eb4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-7d75-8e8e-ac18190c64c6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e27d1-967e-7149-a4da-ac63fb33eb4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7aa0-a0a3-0b083dab9867" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-7d75-8e8e-ac18190c64c6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7aa0-a0a3-0b083dab9867" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7a03-84c5-cc6a5af2919d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e27d1-967e-73d2-8b77-111d8eee5b93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7a03-84c5-cc6a5af2919d" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e27d1-967e-73d2-8b77-111d8eee5b93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e27d1-967e-7ba7-a2c7-5796a3db0bce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7a03-84c5-cc6a5af2919d" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e27d1-967e-7ba7-a2c7-5796a3db0bce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7851-b9a9-dee798ab3454" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7a03-84c5-cc6a5af2919d" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7851-b9a9-dee798ab3454" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/InvestmentSecuritiesScheduleofUnrealizedLossesandFairValueDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#InvestmentSecuritiesScheduleofUnrealizedLossesandFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/InvestmentSecuritiesScheduleofUnrealizedLossesandFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e27d1-967e-7807-a190-df75f9193df3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e27d1-967e-76b6-b685-fb7e49d8be09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e27d1-967e-7807-a190-df75f9193df3" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e27d1-967e-76b6-b685-fb7e49d8be09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e27d1-967e-7b4d-b08d-85e2f1bf97b5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e27d1-967e-7807-a190-df75f9193df3" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e27d1-967e-7b4d-b08d-85e2f1bf97b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e27d1-967e-7112-b3e5-6f5f2d4f7416" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e27d1-967e-73b9-97ef-685a9a7a14c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e27d1-967e-7112-b3e5-6f5f2d4f7416" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e27d1-967e-73b9-97ef-685a9a7a14c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e27d1-967e-7d5b-b425-66472fa8ed16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e27d1-967e-7112-b3e5-6f5f2d4f7416" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e27d1-967e-7d5b-b425-66472fa8ed16" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e27d1-967e-715f-b785-a6cad67d9d69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e27d1-967e-7713-8bcd-2416b1232330" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e27d1-967e-715f-b785-a6cad67d9d69" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e27d1-967e-7713-8bcd-2416b1232330" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e27d1-967e-7a38-95f0-6f1a3858dbc1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e27d1-967e-715f-b785-a6cad67d9d69" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e27d1-967e-7a38-95f0-6f1a3858dbc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e27d1-967e-78c1-a2a1-2a951b1d1161" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e27d1-967e-7b07-90d3-2daaa61159b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e27d1-967e-78c1-a2a1-2a951b1d1161" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e27d1-967e-7b07-90d3-2daaa61159b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e27d1-967e-7986-a168-ec873544adc2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e27d1-967e-78c1-a2a1-2a951b1d1161" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e27d1-967e-7986-a168-ec873544adc2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValuebyContractualMaturityDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#InvestmentSecuritiesScheduleofAmortizedCostandFairValuebyContractualMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/InvestmentSecuritiesScheduleofAmortizedCostandFairValuebyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e27d1-967e-77f7-92a3-43913abdbfc4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e27d1-967e-77f7-92a3-43913abdbfc4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e27d1-967e-7b67-ba22-fbc57672aaee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e27d1-967e-7b67-ba22-fbc57672aaee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e27d1-967e-78bd-b201-eb6fa39c28b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e27d1-967e-78bd-b201-eb6fa39c28b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e27d1-967e-7e4c-8433-06a643abde9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e27d1-967e-7e4c-8433-06a643abde9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e27d1-967e-7977-8928-360686b7499f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e27d1-967e-7ef6-84e0-915128de0dce" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e27d1-967e-7977-8928-360686b7499f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e27d1-967e-74c1-b261-c2c33fb10bd1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e27d1-967e-74c1-b261-c2c33fb10bd1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e27d1-967e-776e-84cd-c50ea5e40310" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e27d1-967e-776e-84cd-c50ea5e40310" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e27d1-967e-72f0-8294-5f17a33ff683" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e27d1-967e-72f0-8294-5f17a33ff683" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019e27d1-967e-7599-8ae0-cea7e6ddb47b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019e27d1-967e-7599-8ae0-cea7e6ddb47b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e27d1-967e-7722-9103-ce1571ba6969" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e27d1-967e-7fcf-928b-ef6ac45cb057" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e27d1-967e-7722-9103-ce1571ba6969" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e27d1-967e-7fd7-8f33-d3252844454b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e27d1-967e-7fd7-8f33-d3252844454b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e27d1-967e-7dc0-bac0-6286096328c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e27d1-967e-7dc0-bac0-6286096328c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019e27d1-967e-720b-a4a6-258032671e3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019e27d1-967e-720b-a4a6-258032671e3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019e27d1-967e-7889-b3ca-eb465e5a8ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019e27d1-967e-7889-b3ca-eb465e5a8ed3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019e27d1-967e-7f58-ac0e-cf92c07e4241" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e27d1-967e-72a2-b37f-4d585e73a884" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019e27d1-967e-7f58-ac0e-cf92c07e4241" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_019e27d1-967e-7443-ba09-147e3334bc4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_019e27d1-967e-7443-ba09-147e3334bc4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019e27d1-967e-7cea-be91-e08ba527a740" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019e27d1-967e-7cea-be91-e08ba527a740" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019e27d1-967e-719c-9c12-8ecd683d1297" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019e27d1-967e-719c-9c12-8ecd683d1297" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_019e27d1-967e-7ae5-9664-520807e486c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_019e27d1-967e-7ae5-9664-520807e486c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount_019e27d1-967e-7b0c-a87e-28bf0bf2ad36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecurities_019e27d1-967e-7024-bf02-298f5100be31" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount_019e27d1-967e-7b0c-a87e-28bf0bf2ad36" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/DepositsCompositionofDepositsDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#DepositsCompositionofDepositsDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/DepositsCompositionofDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e27d1-9754-7d8b-8832-cfdd0f9f83f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_019e27d1-9754-73f8-9f68-e5d9817a33f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e27d1-9754-7d8b-8832-cfdd0f9f83f3" xlink:to="loc_us-gaap_TimeDeposits_019e27d1-9754-73f8-9f68-e5d9817a33f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-730e-99ca-dd92421475ba" xlink:href="acnb-20260630.xsd#acnb_DepositsDemandAndSavings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e27d1-9754-7d8b-8832-cfdd0f9f83f3" xlink:to="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-730e-99ca-dd92421475ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-729d-b2c1-314a9250674f" xlink:href="acnb-20260630.xsd#acnb_DepositsDemandAndSavings"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositDemand_019e27d1-9754-7442-8904-901bc3302105" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDomesticDepositDemand"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-729d-b2c1-314a9250674f" xlink:to="loc_us-gaap_InterestBearingDomesticDepositDemand_019e27d1-9754-7442-8904-901bc3302105" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMoneyMarketDeposits_019e27d1-9754-7aa5-8c63-7cc784303455" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositsMoneyMarketDeposits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-729d-b2c1-314a9250674f" xlink:to="loc_us-gaap_DepositsMoneyMarketDeposits_019e27d1-9754-7aa5-8c63-7cc784303455" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDomesticDepositDemand_019e27d1-9754-78ab-af8b-f7f258b1cc5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestBearingDomesticDepositDemand"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-729d-b2c1-314a9250674f" xlink:to="loc_us-gaap_NoninterestBearingDomesticDepositDemand_019e27d1-9754-78ab-af8b-f7f258b1cc5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_019e27d1-9754-7366-a1ce-637a74c31743" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_acnb_DepositsDemandAndSavings_019e27d1-9754-729d-b2c1-314a9250674f" xlink:to="loc_us-gaap_DepositsSavingsDeposits_019e27d1-9754-7366-a1ce-637a74c31743" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/DepositsTimeDepositMaturitiesDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#DepositsTimeDepositMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/DepositsTimeDepositMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDeposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_019e27d1-9754-73d4-bc08-71e474b643f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_019e27d1-9754-73d4-bc08-71e474b643f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_019e27d1-9754-7a62-9344-b30efe8ccc7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_019e27d1-9754-7a62-9344-b30efe8ccc7e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_019e27d1-9754-79c6-a87e-19b54c197310" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_019e27d1-9754-79c6-a87e-19b54c197310" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_019e27d1-9754-7e83-ac0e-a32beb380d1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_019e27d1-9754-7e83-ac0e-a32beb380d1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_019e27d1-9754-7a50-924d-b32645afc59d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_019e27d1-9754-7a50-924d-b32645afc59d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_019e27d1-9754-7d26-a70d-d24b050b4f60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_019e27d1-9754-7532-8bfa-e1f9f2be1d81" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_019e27d1-9754-7d26-a70d-d24b050b4f60" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/DefinedBenefitPensionPlanDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#DefinedBenefitPensionPlanDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/DefinedBenefitPensionPlanDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019e27d1-9754-7c05-aab4-57cd05a61dca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019e27d1-9754-7653-abe5-114b7c91b7eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019e27d1-9754-7c05-aab4-57cd05a61dca" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019e27d1-9754-7653-abe5-114b7c91b7eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_019e27d1-9754-77ab-ac22-69c67532641d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019e27d1-9754-7c05-aab4-57cd05a61dca" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_019e27d1-9754-77ab-ac22-69c67532641d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanServiceCost_019e27d1-9754-7b59-8870-03d24a033637" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanServiceCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019e27d1-9754-7c05-aab4-57cd05a61dca" xlink:to="loc_us-gaap_DefinedBenefitPlanServiceCost_019e27d1-9754-7b59-8870-03d24a033637" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.acnb.com/role/SegmentReportingSegmentInformationDetails" xlink:type="simple" xlink:href="acnb-20260630.xsd#SegmentReportingSegmentInformationDetails"/>
  <link:calculationLink xlink:role="http://www.acnb.com/role/SegmentReportingSegmentInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-9754-7e90-a80b-7bfef19eee90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019e27d1-9754-7e90-a80b-7bfef19eee90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e27d1-9754-7b90-91f8-6f156ff387a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_NoninterestIncome_019e27d1-9754-7b90-91f8-6f156ff387a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e27d1-9754-76dc-ba80-4911589f4766" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_Revenues_019e27d1-9754-76dc-ba80-4911589f4766" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019e27d1-9754-7b4e-a999-4a080f5d22d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_InterestExpense_019e27d1-9754-7b4e-a999-4a080f5d22d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_ReversalOfProvisionForCreditLossesAndUnfundedCommitments_019e27d1-9754-7483-bbb2-6b192a5f832e" xlink:href="acnb-20260630.xsd#acnb_ReversalOfProvisionForCreditLossesAndUnfundedCommitments"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_acnb_ReversalOfProvisionForCreditLossesAndUnfundedCommitments_019e27d1-9754-7483-bbb2-6b192a5f832e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019e27d1-9754-7716-8d04-271238a748f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019e27d1-9754-7716-8d04-271238a748f7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019e27d1-9754-78a4-8ee3-d8efd70fdf53" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019e27d1-9754-78a4-8ee3-d8efd70fdf53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_acnb_OtherNoninterestExpenseAdjusted_019e27d1-9754-7ac6-8568-2b3873f0f7bd" xlink:href="acnb-20260630.xsd#acnb_OtherNoninterestExpenseAdjusted"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e27d1-9754-7cc0-bc26-567f4e1c8210" xlink:to="loc_acnb_OtherNoninterestExpenseAdjusted_019e27d1-9754-7ac6-8568-2b3873f0f7bd" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
