Side-by-side · Q2 2026 data
ACNB Bank vs Citizens & Northern Bank
Metric by metric
| Measure | ACNB Bank | Citizens & Northern Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 53 |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 87 (stronger) | 43 |
| Earnings | 92 (stronger) | 58 |
| Funding & liquidity | 58 (stronger) | 53 |
| Problem-loan coverage | 95 (stronger) | 79 |
| Peer percentile | 83rd | 11th |
| Total assets | $3.3B | $3.1B |
| Deposits / shares | $2.6B | $2.6B |
| Capital ratio | 11.25% (stronger) | 9.96% |
| Problem loans | 0.40% (stronger) | 1.70% |
| Net charge-offs | 0.01% (stronger) | 0.88% |
| Return on assets | 1.80% (stronger) | 0.96% |
| Loans ÷ deposits | 94.2% | 88.9% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 31.4% |
| Offices | 31 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 12.5% |
ACNB Bank has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 6 and Citizens & Northern Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.