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Atlantic Community Bankers Bank

$100M-$1B Specialty: Commercial PA FDIC cert 24829

Camp Hill, PA

3 branches across CT · NJ · PA

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Atlantic Community Bankers Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 8.7% in tier
  • + Profitability Leader: Top 35.6% in tier
  • + Non-Interest-Bearing Deposit Share 22.01% above tier average
  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.2% in tier
  • - Liquidity Strain: Bottom 36.1% in tier
  • - Net Interest Margin 0.77% below tier average
  • - Efficiency Ratio 6.42% above tier average
Get updates when Atlantic Community Bankers Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $923.2M
-2.0% YoY -1.7% QoQ
+$537.1M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
Top 3.0% in tier
Total Loans ? $571.3M
+3.9% YoY +4.0% QoQ
+$315.6M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
Top 7.2% in tier
Total Deposits ? $587.2M
+1.5% YoY +2.8% QoQ
+$259.3M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
Top 13.2% in tier
Return on Assets ? 1.66%
+59.2% YoY +66.7% QoQ
+0.39% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
75%
Net Interest Margin ? 3.16%
+7.5% YoY +5.8% QoQ
-0.77% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
17%
Efficiency Ratio ? 71.71%
+4.0% YoY +2.1% QoQ
+6.42% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
29%
Delinquency Rate ? 0.55%
-6.8% YoY -6.9% QoQ
-0.34% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
43%
Loan-to-Deposit Ratio ? 97.28%
+2.4% YoY +1.1% QoQ
+20.65% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
Bottom 12.0% in tier
Non-Interest-Bearing Deposit Share ? 44.03%
+3.9% YoY +15.4% QoQ
+22.01% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
Top 3.0% in tier
Nonperforming Asset Ratio ? 0.34%
-1.2% YoY -1.5% QoQ
-0.30% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
47%
Tier 1 Capital Ratio ? 20.42%
+1.5% YoY -0.9% QoQ
+4.59% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
Top 12.5% in tier
Non-Interest Income / Assets ? 0.51%
+5.8% YoY -75.3% QoQ
+0.23% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Top 3.3% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#59 of 666 • Top 8.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.51%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 1.66%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth
#238 of 666 • Top 35.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.66%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (2)

Liquidity Overhang

risk
#113 of 739 • Bottom 15.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.42%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 97.28%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ

Liquidity Strain

risk
#233 of 643 • Bottom 36.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.28%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

81
Total Assets
size
Value: $923.15M
Peer Median: $386.08M
#81 of 2664 Top 3.0% in $100M-$1B
81
Non-Interest-Bearing Deposit Share
funding
Value: 44.03%
Peer Median: 22.02%
#81 of 2664 Top 3.0% in $100M-$1B
88
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.28%
#88 of 2664 Top 3.3% in $100M-$1B
192
Total Loans
size
Value: $571.29M
Peer Median: $255.72M
#192 of 2664 Top 7.2% in $100M-$1B
334
Tier 1 Capital Ratio
capital
Value: 20.42%
Peer Median: 15.83%
#334 of 2664 Top 12.5% in $100M-$1B
353
Total Deposits
size
Value: $587.24M
Peer Median: $327.97M
#353 of 2664 Top 13.2% in $100M-$1B
655
Return on Assets
profitability
Value: 1.66%
Peer Median: 1.27%
#655 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (2 metrics)

2344
Loan-to-Deposit Ratio
liquidity
Value: 97.28%
Peer Median: 76.64%
#2344 of 2664 Bottom 12.0% in $100M-$1B
2220
Net Interest Margin
profitability
Value: 3.16%
Peer Median: 3.93%
#2220 of 2664 Bottom 16.7% in $100M-$1B
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