ACNB Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
ACNB Bank earns an unusually wide margin on its lending. Its balance sheet stood at $3.3 billion at June 30, 2026, up 1.9% from a year earlier; it is based in Gettysburg, Pennsylvania. It keeps 4.56 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 1.32% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $15 million, 33% above the same quarter a year earlier.
As of June 30, 2026, ACNB Bank reported a CET1 capital ratio of 14.30%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.88%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 16 Lincoln Sq, Gettysburg, PA 17325
- County
- Adams
- Metro Area
- Gettysburg, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 11, 1857
- Former names
- Adams County National Bank (1962-2010)
- Offices
- 33 domestic
- Employees (FTE)
- 449
- Domestic deposits
- $2.55B
- Allowance for credit losses
- $24.0M
- Net charge-offs (YTD)
- $144K
- Average total assets
- $3.30B
- Average total loans
- $2.40B
- Average interest-bearing deposits
- $1.98B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7506
- Fed RSSD
- 5210
- SEC CIK
- 715579 → filed by ACNB CORPORATION
- Website
- http://www.acnb.com →
- Parent Holding Company
- ACNB CORPORATION (RSSD 1117464) · ACNB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James Helt | CEO | President & CEO |
| Jason H Weber | CFO | EVP, Treasurer & CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full ACNB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock ACNB Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
ACNB Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.30% | 1.85% | 0.29% | 2.88% | 4.56% |
| Q1 2026 | 14.64% | 1.73% | 0.34% | 2.67% | 4.40% |
| Q4 2025 | 14.32% | 1.38% | 0.35% | 3.07% | 4.39% |
| Q3 2025 | 14.19% | 1.82% | 0.30% | 2.95% | 4.29% |
| Q2 2025 | 13.61% | 1.40% | 0.33% | 3.12% | 4.19% |
| Q1 2025 | 13.58% | 0.00% | 0.34% | 3.28% | 4.05% |
| Q4 2024 | 16.03% | 1.15% | 0.35% | 2.74% | 3.81% |
| Q3 2024 | 15.71% | 1.27% | 0.37% | 2.60% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| ACNB Bank (main office) | Gettysburg , PA | 17325 | $248.3M |
| South York Plaza Office | York , PA | 17402 | $171.9M |
| North Gettysburg Branch | Gettysburg , PA | 17325 | $171.4M |
| North Hanover Branch | Hanover , PA | 17331 | $140.9M |
| Upper Adams Branch | Biglerville , PA | 17307 | $135.3M |
| East Berlin Branch | East Berlin , PA | 17316 | $122.1M |
| Eastern Boulevard Branch | York , PA | 17402 | $116.9M |
| Littlestown Branch | Littlestown , PA | 17340 | $105.5M |
| Susquehanna Trail Branch | York , PA | 17404 | $101.3M |
| Crestwood Branch | Frederick , MD | 21703 | $99.2M |
| Mcsherrystown Branch | Mc Sherrystown , PA | 17344 | $96.1M |
| 2 North on the Square Branch | Frederick , MD | 21701 | $82.1M |
| Carroll Valley Branch | Fairfield , PA | 17320 | $69.9M |
| White Street Branch | York , PA | 17404 | $68.5M |
| Downtown York Branch | York , PA | 17401 | $68.4M |
| Newville Branch | Newville , PA | 17241 | $66.9M |
| New Windsor Br | New Windsor , MD | 21776 | $65.5M |
| College Square Branch | Westminster , MD | 21158 | $64.9M |
| Aspen Ridge Branch | Frederick , MD | 21702 | $62.0M |
| New Oxford Branch | New Oxford , PA | 17350 | $60.0M |
| West Gettysburg Branch | Gettysburg , PA | 17325 | $52.6M |
| Market Place Branch | Westminster , MD | 21157 | $50.6M |
| Mt. Airy Branch | Mount Airy , MD | 21771 | $49.4M |
| Walkersville Branch | Walkersville , MD | 21793 | $46.2M |
| Dillsburg Branch | Dillsburg , PA | 17019 | $45.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired Traditions Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2020 | Structure Change | Acquired Frederick County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired New Windsor State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired The Farmers National Bank of Newville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1987 | Structure Change | Acquired The Bendersville National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1978 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1978 | Structure Change | Acquired The National Bank of Arendtsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1969 | Structure Change | Acquired First National Bank of York Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1967 | Structure Change | Acquired East Berlin National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 1962 | Structure Change | Acquired Littlestown State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for ACNB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in PA, rank 36 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,760 applications, 1,346 loans originated, $347.4M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.2M approved, $3.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about ACNB Bank
What are ACNB Bank's total assets?
As of the Q2 2026 filing, ACNB Bank reported total assets of $3.30 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is ACNB Bank headquartered?
ACNB Bank is headquartered in Gettysburg, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was ACNB Bank founded?
ACNB Bank was established in 1857, per the FDIC institution directory.
Is ACNB Bank FDIC-insured?
Yes. ACNB Bank is an FDIC-insured commercial bank (FDIC Certificate #7506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates ACNB Bank?
ACNB Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is ACNB Bank's CET1 capital ratio?
ACNB Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does ACNB Bank operate?
ACNB Bank operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is ACNB Bank's Texas Ratio?
ACNB Bank's Texas Ratio is 2.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was ACNB Bank previously called?
The charter now named ACNB Bank has also operated as Adams County National Bank (1962-2010), per FDIC structure-change records.
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