ACNB Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks ACNB Bank of Gettysburg, PA against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.91% | 1.32% | +0.59% | 83rd best quarter |
| ROAE | 15.75% | 12.84% | +2.91% | 72nd better half |
| Net Interest Margin | 4.59% | 3.80% | +0.79% | 88th best quarter |
| Efficiency Ratio | 47.22% | 57.50% | -10.28% | 20th best quarter |
| PPNR / Avg Assets | 2.51% | 1.78% | +0.73% | 87th best quarter |
| Yield on Earning Assets | 5.86% | 5.62% | +0.24% | 62nd |
| Cost of Funds | 1.38% | 2.05% | -0.67% | 15th best quarter |
| Net Interest Spread | 4.11% | 3.16% | +0.95% | 92nd best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 0.54% | -0.10% | 42nd better half |
| NPA / Total Assets | 0.34% | 0.43% | -0.09% | 41st better half |
| NCO / Avg Loans | 0.02% | 0.03% | -0.01% | 42nd better half |
| ACL / Total Loans | 1.03% | 1.14% | -0.11% | 36th |
| ACL / NPLs (Coverage) | 232.62% | 206.61% | +26.01% | 55th better half |
| Texas Ratio | 3.14% | 3.89% | -0.75% | 44th better half |
| Provision / NCO | 876.70% | 145.20% | +731.50% | 85th |
| CRE / Total Capital | 225.30% | 224.99% | +0.31% | 50th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.83% | 13.63% | +1.20% | 66th better half |
| Tier 1 Ratio | 14.83% | 13.64% | +1.19% | 65th better half |
| Total Capital Ratio | 15.84% | 14.75% | +1.09% | 65th better half |
| Leverage Ratio | 11.47% | 10.57% | +0.90% | 66th better half |
| Equity / Assets | 12.32% | 10.20% | +2.12% | 80th best quarter |
| TCE / Tangible Assets | 10.42% | 9.58% | +0.84% | 66th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 95.55% | 88.09% | +7.46% | 72nd |
| Core Deposit Ratio | 94.65% | 89.11% | +5.54% | 82nd best quarter |
| Uninsured Deposit Ratio | 23.53% | 31.09% | -7.56% | 24th best quarter |
| Borrowings / Total Assets | 9.56% | 4.05% | +5.51% | 83rd worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.60% | 4.80% | -3.20% | 28th |
| Loan Growth (Y/Y) | 2.60% | 6.01% | -3.41% | 29th |
| Deposit Growth (Y/Y) | 1.62% | 4.64% | -3.02% | 27th |
See ACNB Bank's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full ACNB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the ACNB Bank peer analysis.