Gettysburg, PA · Cert 7506 · Acnb Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
66
Profitability
83
Liquidity
47
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Gettysburg, PA · Cert 7506 · Acnb Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Market Position · Gettysburg, PA · 2026 SOD (annual) · 60.6% share · #1 of 4 inst. · $1.1B of $1.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.38% | 0.00% | 0.77% | 1.17% | 1.23% | 1.75% | 1.80% | +103 bps | |
| Return on Equity | 12.90% | 12.16% | -0.01% | 6.67% | 9.93% | 10.39% | 14.02% | 14.53% | +786 bps | |
| Net Interest Margin | 3.48% | 3.50% | 3.75% | 3.66% | 3.76% | 3.85% | 4.11% | 4.16% | +50 bps | |
| Efficiency Ratio | 59.39% | 60.39% | 81.69% | 69.84% | 62.64% | 59.69% | 52.10% | 50.54% | -1,931 bps | |
| Non-Interest Burden | 1.82% | 1.87% | 2.96% | 2.40% | 2.16% | 2.08% | 1.86% | 1.81% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | -0.87% | 35.76% | 32.89% | 34.56% | 35.10% | 0.03% | 1.89% | -3,100 bps | |
| Loan Growth (YoY) | 3.85% | 3.38% | 40.75% | 40.26% | 40.24% | 40.12% | 0.89% | 3.11% | -3,715 bps | |
| Deposit Growth (YoY) | -8.26% | -3.52% | 38.10% | 37.34% | 37.46% | 36.56% | -0.39% | 0.27% | -3,707 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.40% | 0.43% | 0.43% | 0.43% | 0.45% | 0.41% | 0.40% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.05% | 1.03% | 1.01% | 1.00% | 1.00% | 0.99% | -5 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.5x | 2.5x | 2.4x | 2.4x | 2.2x | 2.5x | 2.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.82% | 12.03% | 11.50% | 10.54% | 10.86% | 10.92% | 11.37% | 11.25% | +70 bps | |
| Total Risk-Based Capital | 16.69% | 17.02% | 14.57% | 14.58% | 15.13% | 15.30% | 15.63% | 15.28% | +70 bps | |
| Equity / Assets | 11.98% | 11.96% | 11.40% | 11.56% | 12.08% | 12.40% | 12.52% | 12.33% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.76% | 92.86% | 91.62% | 92.55% | 94.64% | 95.28% | 92.80% | 95.18% | +263 bps | |
| Liquid Assets / Assets | 4.08% | 4.02% | 5.06% | 4.16% | 4.17% | 3.36% | 4.03% | 3.53% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 366% | 363% | 354% | n/a | n/a | |
Gettysburg, PA · Cert 7506 · Peer group: banks $1B-$10B in assets (n=322-328) · Acnb Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Return on Assets
1.78%
Rank 41 of 328
Net Interest Margin
4.16%
Rank 45 of 328
Efficiency Ratio
52.74%
Rank 94 of 328
Equity / Assets
12.33%
Rank 68 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.91% | 1.22% | 1.52% | Beats 88% | 41 / 328 | ||
| Return on Equity | 14.42% | 8.43% | 11.45% | 14.43% | Beats 75% | 83 / 328 | ||
| Net Interest Margin | 4.16% | 3.03% | 3.45% | 3.83% | Beats 86% | 45 / 328 | ||
| Efficiency Ratio | 52.74% | 51.61% | 59.56% | 67.53% | Beats 72% | 94 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.24% | 0.51% | 1.03% | Beats 61% | 125 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 71% | 94 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.30% | 11.75% | 13.15% | 15.47% | Beats 66% | 113 / 328 | ||
| Total Risk-Based Capital Ratio | 15.28% | 12.63% | 14.15% | 16.46% | Beats 65% | 114 / 328 | ||
| Equity / Assets | 12.33% | 9.15% | 10.33% | 12.01% | Beats 79% | 68 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.18% | 76.63% | 87.92% | 95.36% | 74th pctl | 84 / 323 | ||
| Loans / Assets | 73.60% | 65.18% | 74.15% | 79.98% | 47th pctl | 173 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||