Side-by-side · Q2 2026 data
ACNB Bank vs First Citizens Community Bank
Metric by metric
| Measure | ACNB Bank | First Citizens Community Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 52 |
| Capital cushion | 62 (stronger) | 46 |
| Loan quality | 87 (stronger) | 43 |
| Earnings | 92 (stronger) | 77 |
| Funding & liquidity | 58 (stronger) | 26 |
| Problem-loan coverage | 95 (stronger) | 77 |
| Peer percentile | 83rd | 9th |
| Total assets | $3.3B | $3.2B |
| Deposits / shares | $2.6B | $2.4B |
| Capital ratio | 11.25% (stronger) | 9.64% |
| Problem loans | 0.40% (stronger) | 1.70% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.80% (stronger) | 1.43% |
| Loans ÷ deposits | 94.2% (stronger) | 99.1% |
| Uninsured deposits | 22.4% (stronger) | 46.4% |
| Offices | 31 | 43 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 7.8% |
ACNB Bank has the higher TellerScore (77 vs 52). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 6 and First Citizens Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.