Side-by-side · Q2 2026 data
ACNB Bank vs Penn Community Bank
Metric by metric
| Measure | ACNB Bank | Penn Community Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 62 | 77 (stronger) |
| Loan quality | 87 (stronger) | 81 |
| Earnings | 92 (stronger) | 43 |
| Funding & liquidity | 58 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 83rd | 53rd |
| Total assets | $3.3B | $3.1B |
| Deposits / shares | $2.6B | $2.5B |
| Capital ratio | 11.25% | 12.68% (stronger) |
| Problem loans | 0.40% (stronger) | 0.56% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.80% (stronger) | 0.58% |
| Loans ÷ deposits | 94.2% | 89.5% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 32.6% |
| Offices | 31 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 13.6% |
ACNB Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 5 and Penn Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.