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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.18% | 0.00% | 1.41% | 1.85% | 1.41% | 1.75% | 1.86% | +45 bps | |
| Return on Equity | 11.19% | 9.86% | -0.01% | 12.30% | 15.67% | 11.52% | 14.02% | 14.99% | +269 bps | |
| Net Interest Margin | 3.50% | 3.54% | 3.75% | 3.90% | 4.02% | 4.11% | 4.11% | 4.25% | +35 bps | |
| Efficiency Ratio | 59.59% | 63.36% | 81.69% | 59.49% | 49.58% | 51.55% | 52.10% | 49.04% | -1,045 bps | |
| Non-Interest Burden | 1.82% | 2.01% | 2.96% | 2.11% | 1.71% | 1.84% | 1.86% | 1.78% | -33 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% | 0.04% | 0.01% | 0.01% | 0.02% | 0.02% | 0.00% | 0.03% | +2 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 | |