ACNB Bank
ACNB Bank reported total assets of $3.3 bn at Q2 2026, up 1.9% from a year earlier. That ranks 382nd among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 14.30%, and an estimated 22.40% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Net loans and leases: up 2.9% on Q1 2026, to $2.4 bn
- Return on equity (ROE): up 0.51 pp on Q1 2026, to 14.53%
- Uninsured share of domestic deposits: up 0.40 pp on Q1 2026, to 22.40%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about ACNB Bank?
Its largest one-quarter change in total assets since Q1 2016 was +36.8% between Q4 2024 and Q1 2025, when it absorbed Traditions Bank.
How large is ACNB Bank?
At Q2 2026 the bank held $3.3 bn of assets. Deposits were $2.6 bn and net loans and leases $2.4 bn, a loan-to-deposit ratio of 94.24%. Securities of $529.8 mn made up 16.0% of assets.
Total assets rose 189.8% between Q1 2016 and Q2 2026, from $1.1 bn.
How much of its funding is uninsured?
An estimated 22.40% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.40 pp from the previous quarter and -1.96 pp from a year earlier. That share ranks 393rd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.3 bn | +1.9% | 382nd of 497 |
| Total deposits | $2.6 bn | +0.3% | 411th of 499 |
| Net loans and leases | $2.4 bn | +3.2% | 381st of 500 |
| Bank equity capital | $407.4 mn | +8.7% | 364th of 498 |
| Common equity tier 1 (CET1) ratio | 14.30% | +0.69 pp | 147th of 448 |
| Tier 1 leverage ratio | 11.25% | +0.70 pp | 151st of 500 |
| Return on equity (ROE) | 14.53% | +7.86 pp | 143rd of 500 |
| Net interest margin | 4.55% | +0.17 pp | 56th of 500 |
| Uninsured share of domestic deposits | 22.40% | -1.96 pp | 393rd of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.0 mn | Narrowed by $2.0 mn | |
| Noncurrent loans to total loans | 0.40% | -0.02 pp | 150th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | 0.00 pp | 110th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $3.3bn
- Deposits $2.6bn
- Net loans $2.4bn
Capital and securities
The common equity tier 1 (CET1) ratio was 14.30% at Q2 2026, +0.69 pp from a year earlier. Since Q1 2016 it has ranged from 12.28% (Q3 2017) to 16.32% (Q4 2021). At Q2 2026 the tier 1 leverage ratio was 11.25% and the total risk-based capital ratio 15.28%. The median CET1 ratio of the size peers listed below was 15.98% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $6.0 mn at Q2 2026, measured as fair value minus amortized cost, equal to 1.5% of bank equity capital. The loss narrowed by $2.0 mn from a year earlier. The largest unrealized loss on these securities was $10.8 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $27.9 mn at Q2 2026; the loss narrowed by $8.3 mn from a year earlier.
Capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Unrealized gains and losses on securities
- Available for sale -$28mn
- Held to maturity -$6mn
Profitability and loan quality
Return on equity was 14.53% for the year to Q2 2026, annualized, with a return on assets of 1.80% and a net interest margin of 4.55%. The margin was +0.17 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 50.54%. Net income for the year to Q2 2026 was $29.4 mn, up 156.5% on the same period a year earlier. The median return on equity of its size peers was 10.16% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.40% of total loans at Q2 2026. Net charge-offs for the year to date were 0.01% of average loans, annualized.
Profitability
- Return on equity 15%
- Net interest margin 4.6%
- Return on assets 1.8%
Compared with banks of similar size
The six banks ranked closest to ACNB Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, ACNB Bank is 4th by total assets. Its CET1 ratio of 14.30% compares with a peer median of 15.98%, its tier 1 leverage ratio of 11.25% compares with a peer median of 11.16%, and its return on equity of 14.53% compares with a peer median of 10.16%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| TruNorth Bank | $3.3 bn | 15.98% | 7.15% | 30.70% | |
| Red River Bank | $3.3 bn | 17.32% | 13.35% | 31.72% | |
| BankFirst Financial Services | $3.3 bn | not reported | 8.41% | 24.27% | |
| ACNB Bank | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | $3.3 bn | not reported | 14.62% | 18.52% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 15.98%, return on equity 10.16%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
ACNB Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 37.5% to $3.3 bn, deposits rose 41.2% to $2.6 bn and bank equity capital rose 41.5% to $407.4 mn. Over the same period its full-time equivalent staff went from 366 to 449 and its offices went from 27 to 33.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.4 bn | $3.3 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn |
| Total deposits | $1.8 bn | $1.8 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn |
| Bank equity capital | $287.9 mn | $284.4 mn | $370.9 mn | $374.8 mn | $390.5 mn | $398.3 mn | $407.2 mn | $407.4 mn |
| Common equity tier 1 (CET1) ratio | 15.71% | 16.03% | 13.58% | 13.61% | 14.19% | 14.32% | 14.64% | 14.30% |
| Return on equity (ROE) | 12.90% | 12.16% | -0.01% | 6.67% | 9.93% | 10.39% | 14.02% | 14.53% |
| Uninsured share of domestic deposits | 25.97% | 21.58% | 24.12% | 24.36% | 25.50% | 21.12% | 22.00% | 22.40% |
| Full-time equivalent employees | 366 | 355 | 462 | 454 | 456 | 450 | 446 | 449 |
| Number of offices | 27 | 27 | 34 | 33 | 33 | 33 | 33 | 33 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed New Windsor State Bank (FDIC certificate 5866).
- . Absorbed Frederick County Bank (FDIC certificate 57255).
- . Absorbed Traditions Bank (FDIC certificate 57377).
Large one-quarter moves
- Total assets changed by +27.6% in the quarter to 2017-09-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from New Windsor State Bank.
- Total assets changed by +27.0% in the quarter to 2020-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Frederick County Bank.
- Total assets changed by +36.8% in the quarter to 2025-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Traditions Bank.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 7506
- Federal Reserve RSSD ID
- 5210
- Head office
- Gettysburg, Pennsylvania
- Holding company
- ACNB CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1117464
- Holding company SEC CIK
- 715579
- EconoMonitor ID
- EMB-US-000578
Frequently asked questions
What were ACNB Bank's total assets?
$3.3 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 382nd among 497 banks reporting this metric (1 = highest).
Is ACNB Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 7506). Its holding company, ACNB CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after ACNB Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 7506, and in the Call Reports filed under RSSD ID 5210 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.