Side-by-side · Q2 2026 data
ACNB Bank vs Middletown Valley Bank
Metric by metric
| Measure | ACNB Bank | Middletown Valley Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 62 (stronger) | 42 |
| Loan quality | 87 | 96 (stronger) |
| Earnings | 92 (stronger) | 38 |
| Funding & liquidity | 58 | 62 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 83rd | 30th |
| Total assets | $3.3B | $1.2B |
| Deposits / shares | $2.6B | $1.1B |
| Capital ratio | 11.25% (stronger) | 9.18% |
| Problem loans | 0.40% | 0.12% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.80% (stronger) | 0.45% |
| Loans ÷ deposits | 94.2% | 89.6% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 23.2% |
| Offices | 31 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 3.3% |
ACNB Bank has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 5 and Middletown Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.