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Acnb Bank
Gettysburg, PA · FDIC Certificate #7506 · Chartered 04/1
Total assets
$3.30B
Total deposits
$2.55B
Total equity
$407.39M
Net loans
$2.41B
Branches (offices)
32
Net income (YTD)
$29.38M
Rank: #388 of 4,213 U.S. banks by assets · #16 of 109 in Pennsylvania. Assets changed 1.9% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 14.53% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 12.33% |
| Tier 1 leverage ratio | 11.25% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 91.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.21B | 91.7% | |
| Commercial & industrial | $145.09M | 6.0% | |
| Consumer / individual | $9.93M | 0.4% | |
| Construction & development | $114.81M | 4.8% | |
| Agricultural | $13.57M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.66B | $2.37B | $15.14M | $243.62M |
| Jun 2023 | $2.36B | $1.99B | $18.50M | $237.12M |
| Jun 2024 | $2.44B | $1.86B | $18.28M | $270.27M |
| Jun 2025 | $3.24B | $2.55B | $11.45M | $374.81M |
| Jun 2026 | $3.30B | $2.55B | $29.38M | $407.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.99B | 23 |
| Maryland | $562.73M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.55B.
Similar-sized banks
Bankfirst Financial Services ($3.31B) · Union Savings Bank ($3.30B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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