BanksACNB BANK

ACNB BANK

GETTYSBURG, PALargeEst. April 11, 1857, midnightFDIC #7506RSSD #5210FDIC
Latest · 2025-12-31

ACNB BANK is an 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%. CET1 capital ratio: 14.32%, well above regulatory minimums. NPL ratio: 0.33% · Texas Ratio: 1.87%. Operates 32 domestic branches.

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 Margin4.47%
Yield on Assets5.78%
Cost of Funds1.41%

Asset Quality

NPL Ratio0.33%
Net Charge-Off Ratio0.01%
Texas Ratio1.87%
NPA Ratio0.25%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio14.32%
Tier 1 Capital14.32%
Total Capital Ratio15.30%
Leverage Ratio10.92%
Loan-to-Deposit95.28%

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