Acnb Bank
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
$3.3BAssets
$2.4BLoans
$2.6BDeposits
$407.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 88% of banks $1B-$10B in assets (rank 41 of 328).
- Widest gap: nonperforming loans / loans trails 39% of banks $1B-$10B in assets (rank 125 of 322).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $59.6M · efficiency ratio beats 72% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |