Side-by-side · Q2 2026 data
The Ephrata National Bank vs ACNB Bank
Metric by metric
| Measure | The Ephrata National Bank | ACNB Bank |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 46 | 62 (stronger) |
| Loan quality | 82 | 87 (stronger) |
| Earnings | 61 | 92 (stronger) |
| Funding & liquidity | 78 (stronger) | 58 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 44th | 83rd |
| Total assets | $2.4B | $3.3B |
| Deposits / shares | $2.0B | $2.6B |
| Capital ratio | 9.63% | 11.25% (stronger) |
| Problem loans | 0.54% | 0.40% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.01% | 1.80% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 94.2% |
| Uninsured deposits | 12.1% (stronger) | 22.4% |
| Offices | 18 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 11.5% |
ACNB Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 2 and ACNB Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.