Side-by-side · Q2 2026 data
ACNB Bank vs Patriot Federal Credit Union
Metric by metric
| Measure | ACNB Bank | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 62 | 65 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 92 (stronger) | 63 |
| Funding & liquidity | 58 | 78 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 83rd | 79th |
| Total assets | $3.3B | $1.3B |
| Deposits / shares | $2.6B | $1.2B |
| Capital ratio | 11.25% | 11.49% (stronger) |
| Problem loans | 0.40% | 0.26% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.29% |
| Return on assets | 1.80% (stronger) | 1.07% |
| Loans ÷ deposits | 94.2% | 82.1% (stronger) |
| Uninsured deposits | 22.4% | 11.9% (stronger) |
| Offices | 31 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
ACNB Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 3 and Patriot Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.