Side-by-side · Q2 2026 data
Wayne Bank vs ACNB Bank
Metric by metric
| Measure | Wayne Bank | ACNB Bank |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 38 | 62 (stronger) |
| Loan quality | 60 | 87 (stronger) |
| Earnings | 59 | 92 (stronger) |
| Funding & liquidity | 47 | 58 (stronger) |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 11th | 83rd |
| Total assets | $2.9B | $3.3B |
| Deposits / shares | $2.5B | $2.6B |
| Capital ratio | 8.82% | 11.25% (stronger) |
| Problem loans | 1.21% | 0.40% (stronger) |
| Net charge-offs | 0.17% | 0.01% (stronger) |
| Return on assets | 0.97% | 1.80% (stronger) |
| Loans ÷ deposits | 88.4% (stronger) | 94.2% |
| Uninsured deposits | 37.0% | 22.4% (stronger) |
| Offices | 32 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.8% | 11.5% |
ACNB Bank has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank leads on 1 and ACNB Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.