ACNB Bank
ACNB Bank reported total assets of $3.3 bn at Q2 2026, up 1.9% on a year earlier, the 382nd largest of 497 banks in our US coverage. The CET1 capital ratio at ACNB Bank was 14.30%, and the uninsured share of ACNB Bank was 22.40%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), ACNB Bank climbed from 426th to 143rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , ACNB Bank has taken over 3 institutions; the latest was Traditions Bank on (FDIC Call Reports).
- ACNB Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 4.55% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets ACNB Bank apart
How large is ACNB Bank?
The balance sheet of ACNB Bank at : assets $3.3 bn, deposits $2.6 bn, net loans $2.4 bn (loans equal to 94.24% of deposits). Securities make up 16.0% of total assets at ACNB Bank. Since , when ACNB Bank held $1.1 bn, its assets grew 189.8%. In the year to , deposits at ACNB Bank rose 0.3% while its total assets rose 1.9%. At , ACNB Bank employed 449 full-time equivalent staff across 33 offices, about $7.4 mn of assets per employee and $77.4 mn of deposits per office.
How much funding at ACNB Bank is uninsured?
At ACNB Bank, uninsured deposits (above the FDIC limit) made up 22.40% of domestic deposits at (-1.96 pp on a year earlier); ACNB Bank ranks 393rd of 500 on this measure. In dollars, ACNB Bank estimated $572.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +0.3% | 411th of 499 |
| Net loans and leases | $2.4 bn | +3.2% | 381st of 500 |
| Loan-to-deposit ratio | 94.24% | +2.64 pp | 127th of 500 |
| Tier 1 leverage ratio | 11.25% | +0.70 pp | 151st of 500 |
| Total risk-based capital ratio | 15.28% | +0.70 pp | 149th of 448 |
| Net interest margin | 4.55% | +0.17 pp | 56th of 500 |
| Return on assets (ROA) | 1.80% | +1.03 pp | 77th of 500 |
| Efficiency ratio | 50.54% | -19.31 pp | 147th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.0 mn | Narrowed by $2.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $27.9 mn | Narrowed by $8.3 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 of ACNB Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
ACNB Bank: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.6bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of ACNB Bank stood at 14.30% in , +0.69 pp year on year. Low and high at ACNB Bank since : 12.28% () to 16.32% (). Equity capital of ACNB Bank at : $407.4 mn, or 12.3% of total assets. ACNB Bank also reported a total capital ratio of 15.28% for , and a tier 1 leverage ratio of 11.25%.
On held-to-maturity securities, ACNB Bank carried an unrealized loss of $6.0 mn at , equal to 1.5% of equity capital. The loss narrowed by $2.0 mn over the year. Its deepest point: $10.8 mn in . The available-for-sale portfolio of ACNB Bank showed an unrealized loss of $27.9 mn at ; the loss narrowed by $8.3 mn over the year.
ACNB Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
ACNB Bank: unrealized securities gains and losses
- Available for sale -$28mn
- Held to maturity -$6mn
Profitability and loan quality
For the year to , ACNB Bank earned a return on equity of 14.53%; return on assets: 1.80%. Net interest margin at ACNB Bank: 4.55%, +0.17 pp in a year. ACNB Bank net income: $29.4 mn, up 156.5% year on year. The efficiency ratio of ACNB Bank was 50.54%: about 51 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.40% of total loans at ACNB Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at ACNB Bank: $2.4 bn, up 3.1% in a year.
ACNB Bank: profitability
- Return on equity 15%
- Net interest margin 4.6%
- Return on assets 1.8%
Peer group of ACNB Bank
The peer group of ACNB Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of ACNB Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, ACNB Bank shows CET1 ratio 14.30% against a peer median of 15.98%, return on equity 14.53% against a peer median of 10.16% and uninsured deposit share 22.40% against a peer median of 27.49%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| TruNorth Bank | State member bank | MA | $3.3 bn | 15.98% | 7.15% | 30.70% | |
| Red River Bank | State nonmember bank | LA | $3.3 bn | 17.32% | 13.35% | 31.72% | |
| BankFirst Financial Services | State member bank | MS | $3.3 bn | not reported | 8.41% | 24.27% | |
| ACNB Bank | State nonmember bank | PA | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | National bank | KS | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | State member bank | MO | $3.3 bn | not reported | 14.62% | 18.52% | |
. FDIC Call Reports.
Last eight quarters
Two years at ACNB Bank, to : assets +37.5%, deposits +41.2%, equity +41.5%. Staff 366 to 449; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of ACNB Bank, oldest first; 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 at ACNB Bank
- Total assets at ACNB Bank 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 at ACNB Bank 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 at ACNB Bank changed by +36.8% in the quarter to 2025-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Traditions Bank.
Questions and identifiers
What were the total assets of ACNB Bank?
ACNB Bank reported $3.3 bn at in its Call Report. That makes ACNB Bank the 382nd largest of 497 banks in our US coverage.
Is ACNB Bank the same as its holding company?
No. This page covers ACNB Bank, FDIC certificate 7506; ACNB CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is ACNB Bank profitable?
ACNB Bank reported net income of $29.4 mn for the year to ; annualized return on equity: 14.53%. So yes: ACNB Bank made a profit over these months.
When is data for ACNB Bank next updated?
Figures from ACNB Bank for are due after .
Where can I check the figures for ACNB Bank?
In the FDIC BankFind Suite record for certificate 7506, and in the Call Reports of ACNB Bank (RSSD ID 5210) at the FFIEC Central Data Repository.