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ACNB Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7506

Gettysburg, PA

33 branches across PA · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +0.3% year over year ($2.6B on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.80%.
  • Efficiency ratio 50.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.24% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

ACNB Bank has 4 strengths but faces 1 concern

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

  • + Profitability Leader: Top 12.6% in tier
  • + Net Interest Margin 0.68% above tier average
  • + Efficiency Ratio 9.19% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 19.9% in tier
Get updates when ACNB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $3.3B
+1.9% YoY +1.6% QoQ
+$510.5M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $2.4B
+3.2% YoY +2.9% QoQ
+$444.4M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $2.6B
+0.3% YoY +0.3% QoQ
+$236.0M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.80%
+132.9% YoY +3.3% QoQ
+0.41% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.55%
+3.9% YoY +1.7% QoQ
+0.68% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Top 11.3% in tier
Efficiency Ratio ? 50.54%
-27.6% YoY -3.0% QoQ
-9.19% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.41%
-5.8% YoY -0.4% QoQ
-0.46% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 94.24%
+2.9% YoY +2.6% QoQ
+9.20% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 23.54%
+5.2% YoY +4.0% QoQ
+2.27% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.31%
+0.6% YoY +6.7% QoQ
-0.36% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 14.30%
+5.1% YoY -2.3% QoQ
-0.54% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.36%
+8.5% YoY +97.7% QoQ
-0.17% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 23.5%
+1.2pp YoY
+0.9pp QoQ
 +2.2pp 21.4% 18.7% 22.2% 66%
Brokered Deposits 2.9%
+0.2pp YoY
-0.6pp QoQ
 -6.5pp 9.5% 6.8% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 6.0%
-0.4pp YoY
+0.5pp QoQ
 -8.0pp 14.0% 8.6% 12.5% 24%
CRE 53.7%
-1.4pp YoY
-1.1pp QoQ
 +3.7pp 50.0% 37.9% 41.4% 61%
1-4 Family 31.5%
+0.1pp YoY
-0.3pp QoQ
 +5.1pp 26.4% 47.8% 31.3% 68%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 3.8% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.7pp YoY
-0.3pp QoQ
 -1.3pp 15.6% 22.3% 19.7% 63%
Leverage Ratio 11.2%
+0.7pp YoY
-0.1pp QoQ
 -0.1pp 11.3% 13.2% 12.6% 65%
Total Capital Ratio 15.3%
+0.7pp YoY
-0.3pp QoQ
 -1.4pp 16.7% 23.3% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 449
-5 (-1.1%) YoY
+3 (+0.7%) QoQ
 +135 313 299 482 81%
Assets per Employee ($) $7.4M
+3.0% YoY
+0.9% QoQ
 -$3.1M $10.5M $9.2M $8.8M 28%
Branch Count 33
0 YoY
0 QoQ
 +13 20 20 18 84%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.2% 0.2% 0.4% 82%
Nonaccrual 0.3%
-0.1pp YoY
-0.1pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 28%
Allowance Coverage 2.44x
+1.4% YoY
-0.8% QoQ
 -16.27x 18.71x 3.63x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 14.5%
+7.9pp YoY
+0.5pp QoQ
 +1.9pp 12.6% 10.2% 11.6% 69%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.8% 1.7% 12%
Net Income ($, YTD) $29.4M
+156.5% YoY
— QoQ
 +$10.1M $19.2M $18.2M $40.4M 82%

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 (1)

Profitability Leader

growth
#29 of 222 • Top 12.6% in tier

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

Why this signature
Return on Assets: 1.80%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#73 of 361 • Bottom 19.9% 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: 94.24%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

101
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.87%
#101 of 885 Top 11.3% in $1B-$10B
155
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.39%
#155 of 885 Top 17.4% in $1B-$10B
214
Efficiency Ratio
profitability
Value: 50.54%
Peer Median: 59.73%
#214 of 885 Top 24.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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