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Acnb Bank

Gettysburg, PA · Cert 7506 · Acnb Corp.

State charter, non-member · FDIC · 32 branches

Q2 2026

$3.3BAssets
$2.4BLoans
$2.6BDeposits
$407.4MEquity
Loan mix
94%RE $2.2B6%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $2.0B24%Noninterest $0.6BQ3 2024Q2 2026

Market Position · Gettysburg, PA · 2026 SOD (annual) · 60.6% share · #1 of 4 inst. · $1.1B of $1.8B

60.6% Adams
8.2% York
4.4% Frederick
5.3% Carroll

Executive Summary

  • Earnings: ROA of 1.80%, up 103 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.40% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.25%, up 70 bps from a year ago.
  • Funding: loans stand at 95.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.80%+103 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+50 bps YoY

Efficiency Ratio (YTD, annualized)

50.54%-1,931 bps YoY

Tier 1 Leverage Ratio

11.25%+70 bps YoY

NIM

4.29%Q2 ’244.76%Q2 ’255.21%Q2 ’26+6%+14%

Non-interest income vs. expense

2.40%Q2 ’243.06%Q2 ’252.53%Q2 ’26+33%-25%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.38%0.00%0.77%1.17%1.23%1.75%1.80%+103 bps
Return on Equity12.90%12.16%-0.01%6.67%9.93%10.39%14.02%14.53%+786 bps
Net Interest Margin3.48%3.50%3.75%3.66%3.76%3.85%4.11%4.16%+50 bps
Efficiency Ratio59.39%60.39%81.69%69.84%62.64%59.69%52.10%50.54%-1,931 bps
Non-Interest Burden1.82%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 / Loans0.39%0.40%0.43%0.43%0.43%0.45%0.41%0.40%-2 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.01%0 bps
Allowance / Loans1.03%1.03%1.05%1.03%1.01%1.00%1.00%0.99%-5 bps
Allowance Coverage of NPLs2.6x2.5x2.5x2.4x2.4x2.2x2.5x2.4x0.0x
Capital
Tier 1 Leverage Ratio11.82%12.03%11.50%10.54%10.86%10.92%11.37%11.25%+70 bps
Total Risk-Based Capital16.69%17.02%14.57%14.58%15.13%15.30%15.63%15.28%+70 bps
Equity / Assets11.98%11.96%11.40%11.56%12.08%12.40%12.52%12.33%+77 bps
Liquidity & Funding
Loans / Deposits92.76%92.86%91.62%92.55%94.64%95.28%92.80%95.18%+263 bps
Liquid Assets / Assets4.08%4.02%5.06%4.16%4.17%3.36%4.03%3.53%-63 bps
CRE / Total Capitaln/an/an/an/a366%363%354%n/an/a