ACNB Bank (FDIC certificate #7506) is based in Gettysburg, Pennsylvania. Its Q2 2026 call report shows $3.3B in total assets and $2.6B in deposits and 33 offices across 2 states.
Based on its Q2 2026 filing, ACNB Bank scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 24th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is funding & liquidity (58/100; 94% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (66 → 77), mostly because the earnings component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 11.82% |
| Q4 2024 | 12.03% |
| Q1 2025 | 11.50% |
| Q2 2025 | 10.54% |
| Q3 2025 | 10.86% |
| Q4 2025 | 10.92% |
| Q1 2026 | 11.37% |
| Q2 2026 | 11.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.38% |
| Q1 2025 | -0.00% |
| Q2 2025 | 0.77% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.75% |
| Q2 2026 | 1.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $3.3B | 11.25% | 0.40% | 1.80% | 94.2% |
| Q1 2026 | 77 | $3.3B | 11.37% | 0.41% | 1.75% | 91.9% |
| Q4 2025 | 71 | $3.2B | 10.92% | 0.45% | 1.23% | 94.3% |
| Q3 2025 | 70 | $3.2B | 10.86% | 0.43% | 1.17% | 93.7% |
| Q2 2025 | 66 | $3.2B | 10.54% | 0.43% | 0.77% | 91.6% |
| Q1 2025 | 64 | $3.3B | 11.50% | 0.43% | -0.00% | 90.7% |
| Q4 2024 | 76 | $2.4B | 12.03% | 0.40% | 1.38% | 91.9% |
| Q3 2024 | 76 | $2.4B | 11.82% | 0.39% | 1.44% | 91.8% |
| Q2 2024 | 78 | $2.4B | 11.57% | 0.19% | 1.52% | 89.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Citizens Community BankBank Mansfield, PA | 52 out of 100, Below average | $3.2B | 9.6% | 1.70% | vs |
| Citizens & Northern BankBank Wellsboro, PA | 53 out of 100, Below average | $3.1B | 10.0% | 1.70% | vs |
| Penn Community BankBank Doylestown, PA | 69 out of 100, Moderate | $3.1B | 12.7% | 0.56% | vs |
| The Fidelity Deposit and Discount BankBank Dunmore, PA | 68 out of 100, Moderate | $3.0B | 9.5% | 0.08% | vs |
| Nextier Bank, National AssociationBank Kittanning, PA | 54 out of 100, Below average | $2.9B | 9.6% | 1.49% | vs |
| Wayne BankBank Honesdale, PA | 53 out of 100, Below average | $2.9B | 8.8% | 1.21% | vs |
Deposit insurance
Is my money safe at ACNB Bank?
Yes. ACNB Bank is an FDIC-insured institution (FDIC certificate #7506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($572.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.28% (benchmark: 10%).
33 locations
Branches
ACNB Bank lists 31 offices in 20 cities across 2 states. Most locations:
- York, PA (5)
- Frederick, MD (3)
- Gettysburg, PA (3)
- Hanover, PA (2)
- Lancaster, PA (2)
- Westminster, MD (2)
- Biglerville, PA (1)
- Chambersburg, PA (1)
- Dillsburg, PA (1)
- East Berlin, PA (1)
- Fairfield, PA (1)
- Littlestown, PA (1)
HMDA 2025
Mortgage lending
In 2025, ACNB Bank reported 1,767 home-loan applications under HMDA (LEI 5493005CFFMKTUKLO381): 1,374 originated ($369,500,000 total), 189 denied, and 122 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- ACNB Bank
- Former names
- The First National Bank of Gettysburg; Adams County National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 7506
- RSSD ID
- 5210
- Primary regulator
- FDIC
- Holding company
- Acnb Corp
- Established
- April 11, 1857
- Headquarters
- 16 Lincoln Sq, Gettysburg, PA 17325
- Website
- www.acnb.com
- Employees
- 449
Quick answers
ACNB Bank: common questions
Is ACNB Bank FDIC insured?
Yes. ACNB Bank is an FDIC-insured institution (FDIC certificate #7506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is ACNB Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has ACNB Bank ever failed?
There is no failure record for FDIC certificate #7506 in the FDIC failed bank list.
How many branches does ACNB Bank have?
33 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Gettysburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Glatco Credit UnionCredit union Spring Grove, PA | 90 out of 100, Very strong | $54.1M | 16.2% | 0.79% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| 1st Ed Credit UnionCredit union Chambersburg, PA | 83 out of 100, Strong | $138.2M | 15.9% | 0.50% | vs |
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |
| First Financial of Maryland Federal Credit UnionCredit union Sparks, MD | 79 out of 100, Strong | $1.4B | 16.7% | 0.54% | vs |