TellerScore

Headquartered in Camp Hill, Pennsylvania, Atlantic Community Bankers Bank is a state-chartered bank (fed member) with $942.0M in total assets and $566.2M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1983.

Atlantic Community Bankers Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 25th. Capital cushion contributes the most (100/100, 15.76%); funding & liquidity contributes the least (8/100, 102% loans-to-deposits, 66% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.76%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity8/100
Loans ÷ deposits and uninsured-deposit share: 102.4% · 66.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.93%

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 4 points (72 → 76), mostly because the earnings component improved by 14 points.

TellerScore
637179Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202473
Q4 202463
Q1 202573
Q2 202572
Q3 202573
Q4 202572
Q1 202679
Q2 202676
Tier 1 leverage ratio
5.00%10.38%15.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.59%
Q3 202414.06%
Q4 202414.73%
Q1 202514.39%
Q2 202514.50%
Q3 202514.63%
Q4 202514.49%
Q1 202615.60%
Q2 202615.76%
Noncurrent loans
0.00%0.73%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.23%
Q4 20241.47%
Q1 20250.58%
Q2 20250.57%
Q3 20250.57%
Q4 20250.58%
Q1 20260.54%
Q2 20260.53%
Return on assets
0.76%1.21%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.77%
Q4 20240.76%
Q1 20251.04%
Q2 20250.98%
Q3 20251.00%
Q4 20250.99%
Q1 20261.66%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$942.0M15.76%0.53%1.32%102.4%
Q1 202679$923.2M15.60%0.54%1.66%97.3%
Q4 202572$939.6M14.49%0.58%0.99%96.2%
Q3 202573$955.4M14.63%0.57%1.00%93.7%
Q2 202572$947.5M14.50%0.57%0.98%99.1%
Q1 202573$942.4M14.39%0.58%1.04%95.0%
Q4 202463$896.4M14.73%1.47%0.76%96.3%
Q3 202473$926.0M14.06%0.23%0.77%93.8%
Q2 202478$915.3M14.59%0.00%0.89%92.9%

2,650 peers · $100 million – $1 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).

Capital ratio15.76%
90th
Total risk-based capital21.70%
89th
Problem loans0.53%
44th
Net charge-offs-0.02%
92nd
Return on assets1.32%
54th
Net interest margin3.15%
15th
Efficiency ratio72.0%
25th
Loans to deposits102.4%
8th
Uninsured deposits66.0%
1st
Loan-loss reserves1.62%
84th
Texas ratio1.9%
58th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Northern Bank and Trust CompanyBank Palmerton, PA81 out of 100, Strong$921.5M15.3%1.16%vs
Harleysville BankBank Harleysville, PA74 out of 100, Strong$963.6M9.9%0.14%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
First Resource BankBank Exton, PA67 out of 100, Moderate$840.9M8.6%0.12%vs
CfsbankBank Charleroi, PA66 out of 100, Moderate$773.4M11.0%0.24%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs

Deposit insurance

Is my money safe at Atlantic Community Bankers Bank?

Yes. Atlantic Community Bankers Bank is an FDIC-insured institution (FDIC certificate #24829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 66.0% of deposits ($373.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.70% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Atlantic Community Bankers Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Atlantic Community Bankers Bank
Former names
Pennsylvania Independent Bank; Atlantic Central Bankers Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
24829
RSSD ID
959715
Primary regulator
FED
Holding company
Atlantic Cmty Bancshares Inc
Established
November 21, 1983
Headquarters
225 Grandview Avenue Suite 401, Camp Hill, PA 17011
Employees
125

Quick answers

Atlantic Community Bankers Bank: common questions

Is Atlantic Community Bankers Bank FDIC insured?

Yes. Atlantic Community Bankers Bank is an FDIC-insured institution (FDIC certificate #24829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Atlantic Community Bankers Bank's TellerScore?

76 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 Atlantic Community Bankers Bank ever failed?

There is no failure record for FDIC certificate #24829 in the FDIC failed bank list.

How many branches does Atlantic Community Bankers Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Camp Hill

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA90 out of 100, Very strong$86.9M12.3%0.07%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs