Side-by-side · Q2 2026 data
ACNB Bank vs Fulton Bank, National Association
Metric by metric
| Measure | ACNB Bank | Fulton Bank, National Association |
|---|---|---|
| TellerScore | 77 (stronger) | 65 |
| Capital cushion | 62 (stronger) | 52 |
| Loan quality | 87 (stronger) | 76 |
| Earnings | 92 (stronger) | 72 |
| Funding & liquidity | 58 (stronger) | 44 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 83rd | 54th |
| Total assets | $3.3B | $32.6B |
| Deposits / shares | $2.6B | $27.4B |
| Capital ratio | 11.25% (stronger) | 10.20% |
| Problem loans | 0.40% (stronger) | 0.71% |
| Net charge-offs | 0.01% (stronger) | 0.30% |
| Return on assets | 1.80% (stronger) | 1.30% |
| Loans ÷ deposits | 94.2% | 87.7% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 40.5% |
| Offices | 31 | 220 |
| CFPB complaints (3 yrs) | — | 246 |
| Complaints per $1B deposits | — | 9.0 |
| Mortgage denial rate (HMDA) | 11.5% | 23.0% |
ACNB Bank has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 6 and Fulton Bank, National Association on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.