ACNB BANK

GETTYSBURG, PA | Large | Est. April 11, 1857, midnight | FDIC #7506 | RSSD #5210 | FDIC
Latest Report: 2025-12-31

ACNB BANK is aln large FDIC-insured commercial bank headquartered in GETTYSBURG, PA, established in April 11, 1857, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.5B. Profitability stands at 1.41% ROA and 11.52% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 14.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 1.87%. FDIC Certificate #7506.

Assets

$3.2B

Deposits

$2.5B

Loans

$2.4B

Equity

$398M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 11.52%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.78%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.87%
NPA Ratio 0.25%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 14.32%
Tier 1 Capital 14.32%
Total Capital Ratio 15.30%
Leverage Ratio 10.92%
Loan-to-Deposit 95.28%

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