ACNB Bank
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Data as of · sourced from FFIEC call reports. How we update
ACNB Bank is an FDIC-insured commercial bank headquartered in Gettysburg, PA, established in 1857 (FDIC certificate 7506), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.30B, up 1.9% from Q2 2025, the 16th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 14.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7506
- Headquarters
- Gettysburg, PA
- Established
- 1857
- Total assets, Q2 2026
- $3.30B
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 14.30%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 031309945
- Holding company
- ACNB CORPORATION
- Asset rank in state
- 16th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, ACNB Bank is the 16th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $3.30B, loans rose 2.8% and deposits rose 0.3%. 1-4 family residential loans made up 31.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.2%. The FDIC Summary of Deposits lists 32 offices for it, in 21 cities across 2 states; its York 5 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, ACNB Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 33 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, ACNB Bank's total assets ran between $2.37B (Q3 2023) and $3.30B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.30B total assets against $3.24B; $2.90B total liabilities against $2.87B.
$2.41B net loans and leases against $2.33B; $2.55B total deposits against $2.55B.
$529.8M securities against $520.8M; $81.8M cash and balances due against $103.1M.
$43.7M total interest income against $41.6M; $9.3M total interest expense against $10.3M.
$34.4M net interest income against $31.3M.
$6.0M total noninterest income against $5.8M; $20.6M total noninterest expense against $23.0M.
$447K provision for credit losses against -$582K.
$15.3M net income against $11.5M.
1.85% return on assets against 1.40%; 4.56% net interest margin against 4.19%.
14.30% CET1 capital ratio against 13.61%; 11.25% tier 1 leverage ratio against 10.54%.
Inside the full ACNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 380 of 4,196, for total assets; its furthest is 770 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.00% (Q1 2025) to 1.85% (Q2 2026) and its net interest margin ran from 3.75% (Q3 2024) to 4.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.30% | 1.85% | 0.40% | 2.88% | 4.56% |
| Q1 2026 | 14.64% | 1.73% | 0.41% | 2.67% | 4.40% |
| Q4 2025 | 14.32% | 1.38% | 0.45% | 3.07% | 4.39% |
| Q3 2025 | 14.19% | 1.82% | 0.43% | 2.95% | 4.29% |
| Q2 2025 | 13.61% | 1.40% | 0.43% | 3.12% | 4.19% |
| Q1 2025 | 13.58% | 0.00% | 0.43% | 3.28% | 4.05% |
| Q4 2024 | 16.03% | 1.15% | 0.40% | 2.74% | 3.81% |
| Q3 2024 | 15.71% | 1.27% | 0.39% | 2.60% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 32 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 36 of 145 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is ACNB Bank headquartered?
It is headquartered in Gettysburg, PA, United States.
When was ACNB Bank founded?
It was established in 1857, per the FDIC institution directory.
Is ACNB Bank FDIC-insured?
Yes. It 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.
What is ACNB Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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