Bank Safety Analysis
Is ACNB Bank Safe? Gettysburg, Pennsylvania
Based on its Q3 2026 call report, ACNB Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.14%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is ACNB Bank safe?
On its Q3 2026 call report, ACNB Bank's CET1 ratio is 14.83%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 14.83%
- Tier 1 leverage ratio (Q3 2026): 11.47%
- Texas ratio (Q3 2026): 3.14%
- Noncurrent loans ratio (Q3 2026): 0.44%
ACNB Bank is an FDIC-insured commercial bank (FDIC Certificate #7506). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report ACNB Bank (FDIC Certificate #7506) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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ACNB Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
The largest change between Q2 2026 and Q3 2026 was in CET1 ratio, which rose 0.53 percentage points to 14.83%. Within Pennsylvania, ACNB Bank is 26th of 68 on CET1 ratio, 14.83% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. ACNB Bank sits 1.23 points higher, at 14.83% (Q3 2026).
From Q4 2023 to Q3 2026, ACNB Bank's CET1 ratio ranged between 13.58% (Q1 2025) and 16.03% (Q4 2024) and its Texas ratio ranged between 1.42% (Q2 2024) and 3.28% (Q1 2025). Between Q3 2025 and Q3 2026, ACNB Bank's CET1 ratio rose from 14.19% to 14.83%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.43% to 0.44%, Texas ratio rose from 2.95% to 3.14% and return on assets rose from 1.82% to 1.91%.
Of the 109 banks headquartered in Pennsylvania, ACNB Bank is the 18th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $737.1M of $2.41B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, ACNB Bank's CET1 ratio of 14.83% is above the 13.60% median, Tier 1 leverage ratio of 11.47% is above the 10.54% median, nonperforming loans ratio of 0.44% is below the 0.54% median, Texas ratio of 3.14% is below the 3.95% median, and efficiency ratio of 47.22% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
ACNB Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does ACNB Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does ACNB Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.83% | Within range |
| Texas ratio BankRegReports band | 3.14% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.44% | Within range |
| Uninsured deposit share BankRegReports band | 23.53% | Within range |
| Loan-to-deposit ratio BankRegReports band | 95.55% | Within range |
| Commercial real estate to capital BankRegReports band | 225.30% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.69% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 14.83% |
| Q2 2026 | 14.30% |
| Q1 2026 | 14.64% |
| Q4 2025 | 14.32% |
| Q3 2025 | 14.19% |
| Q2 2025 | 13.61% |
| Q1 2025 | 13.58% |
| Q4 2024 | 16.03% |
| Q3 2024 | 15.71% |
| Q2 2024 | 15.42% |
| Q1 2024 | 15.09% |
| Q4 2023 | 14.86% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.14% |
| Q2 2026 | 2.88% |
| Q1 2026 | 2.67% |
| Q4 2025 | 3.07% |
| Q3 2025 | 2.95% |
| Q2 2025 | 3.12% |
| Q1 2025 | 3.28% |
| Q4 2024 | 2.74% |
| Q3 2024 | 2.60% |
| Q2 2024 | 1.42% |
| Q1 2024 | 1.80% |
| Q4 2023 | 1.92% |
Loans by type, Q3 2026
- 1-4 family residential loans: $737.1M
- Non-owner-occupied commercial real estate loans: $623.6M
- Owner-occupied commercial real estate loans: $397.3M
- Multifamily loans: $150.1M
- Commercial and industrial loans: $143.0M
- Construction and land development loans: $128.1M
- Loans to states and political subdivisions: $44.7M
- Agricultural production loans: $17.7M
How have ACNB Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $3.29B | 14.83% | 11.47% | 0.44% | 3.14% | 47.22% |
| Jun 30, 2026 | $3.30B | 14.30% | 11.25% | 0.40% | 2.88% | 48.85% |
| Mar 31, 2026 | $3.25B | 14.64% | 11.37% | 0.41% | 2.67% | 51.89% |
| Dec 31, 2025 | $3.21B | 14.32% | 10.92% | 0.45% | 3.07% | 51.36% |
| Sep 30, 2025 | $3.23B | 14.19% | 10.86% | 0.43% | 2.95% | 49.41% |
| Jun 30, 2025 | $3.24B | 13.61% | 10.54% | 0.43% | 3.12% | 59.28% |
| Mar 31, 2025 | $3.25B | 13.58% | 11.50% | 0.43% | 3.28% | 81.36% |
| Dec 31, 2024 | $2.38B | 16.03% | 12.03% | 0.40% | 2.74% | 63.05% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is ACNB Bank FDIC insured?
Yes. ACNB Bank is an FDIC-insured commercial bank (FDIC Certificate #7506). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is ACNB Bank well capitalized?
On its Q3 2026 call report, ACNB Bank's CET1 ratio is 14.83%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are ACNB Bank's key safety ratios?
For Q3 2026, ACNB Bank reports CET1 14.83%, leverage 11.47%, Texas ratio 3.14%, noncurrent loans 0.44%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if ACNB Bank fails?
For Q3 2026, ACNB Bank reported $2.53B in total deposits, 23.53% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full ACNB Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio ACNB Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 7506) · FFIEC NIC profile (RSSD 5210)
Explore: Full ACNB Bank profile · Other banks in PA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.