Atlantic Community Bankers Bank
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Data as of · sourced from FFIEC call reports. How we update
Atlantic Community Bankers Bank is an FDIC-insured commercial bank headquartered in Camp Hill, PA, established in 1983 (FDIC certificate 24829), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $942.0M, down 0.6% from Q2 2025, the 47th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 20.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24829
- Headquarters
- Camp Hill, PA
- Established
- 1983
- Total assets, Q2 2026
- $942.0M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 20.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 031301752
- Latest call report
- Q2 2026, FFIEC 041 · Atlantic Community Bankers Bank call report
- Holding company
- ATLANTIC COMMUNITY BANCSHARES INC
- Asset rank in state
- 47th of 109 in Pennsylvania
Atlantic Community Bankers Bank, based in Camp Hill, Pennsylvania, reported $942 million in assets at June 30, 2026. It keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.69% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Atlantic Community Bankers Bank reported a CET1 capital ratio of 20.38%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 1.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Atlantic Community Bankers Bank is the 47th largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $942.0M, loans rose 1.4% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 49.7% of total loans, ahead of multifamily loans at 16.9%. The FDIC Summary of Deposits lists 3 offices for it, in Camp Hill, PA, Elmwood Park, NJ and Glastonbury, CT; its Camp Hill office books 100% of its branch deposits. On its Q2 2026 call report, Atlantic Community Bankers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 225 Grandview Avenue Suite 401, Camp Hill, PA 17011
- County
- Cumberland
- Metro Area
- Harrisburg-Carlisle, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 21, 1983
- Former names
- Atlantic Central Bankers Bank (1992-2013)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $566.2M
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- -$58K
- Average total assets
- $976.7M
- Average total loans
- $582.7M
- Average interest-bearing deposits
- $353.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 21, 1983
- FDIC Cert
- 24829
- Fed RSSD
- 959715
- SEC CIK
- 1717313 → filed by ATLANTIC COMMUNITY BANCSHARES INC
- Website
- http://www.acbb.com →
- Parent Holding Company
- ATLANTIC COMMUNITY BANCSHARES INC (RSSD 4923497)
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
Atlantic Community Bankers Bank's total assets moved between a low of $858.4M (Q3 2023) and a high of $955.4M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$942.0M total assets against $947.5M; $788.6M total liabilities against $805.7M.
$579.6M net loans and leases against $558.8M; $566.2M total deposits against $563.7M.
$199.7M securities against $192.2M; $98.9M cash and balances due against $133.0M.
$12.2M total interest income against $12.8M; $5.3M total interest expense against $6.2M.
$6.8M net interest income against $6.6M.
$5.5M total noninterest income against $4.9M; $9.0M total noninterest expense against $8.2M.
$96K provision for credit losses against $349K.
$2.3M net income against $2.2M.
0.95% return on assets against 0.89%; 2.91% net interest margin against 2.91%.
20.38% CET1 capital ratio against 20.23%; 15.76% tier 1 leverage ratio against 14.50%.
Inside the full Atlantic Community Bankers 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Atlantic Community Bankers Bank rankings
Its closest position to the top of a national ranking is 317 of 2,134, for CET1 ratio; its furthest is 2,881 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q3 2024) to 1.59% (Q1 2026) and its net interest margin ran from 2.60% (Q3 2024) to 3.01% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.38% | 0.95% | 0.53% | 1.98% | 2.91% |
| Q1 2026 | 20.42% | 1.59% | 0.54% | 2.01% | 3.01% |
| Q4 2025 | 20.60% | 0.89% | 0.58% | 2.10% | 2.82% |
| Q3 2025 | 20.44% | 0.99% | 0.57% | 2.14% | 2.78% |
| Q2 2025 | 20.23% | 0.89% | 0.57% | 2.19% | 2.91% |
| Q1 2025 | 20.11% | 0.98% | 0.58% | 2.23% | 2.72% |
| Q4 2024 | 20.23% | 0.68% | 1.47% | 5.65% | 2.83% |
| Q3 2024 | 20.49% | 0.51% | 0.23% | 0.84% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Atlantic Community Bankers Bank (main office) | Camp Hill , PA | 17011 | $566.2M |
| New Jersey Branch | Elmwood Park , NJ | 07407 | $0 |
| Bankers Bank Northeast Branch | Glastonbury , CT | 06033 | $0 |
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 |
|---|---|---|---|
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Bankers' Bank, Northeast 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 28, 2020, Federal Reserve: Written Agreement: Atlantic Community Bankers Bank, Camp Hill, Pennsylvania
- Period: Most recent institution action September 28, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 76 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Atlantic Community Bankers Bank
What are Atlantic Community Bankers Bank's total assets?
As of the Q2 2026 filing, Atlantic Community Bankers Bank reported total assets of $942.0 million in its FFIEC call report.
Where is Atlantic Community Bankers Bank headquartered?
It is headquartered in Camp Hill, PA, United States.
When was Atlantic Community Bankers Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Atlantic Community Bankers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24829). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Atlantic Community Bankers Bank?
Atlantic Community Bankers Bank's primary federal regulator is the Federal Reserve.
What is Atlantic Community Bankers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Atlantic Community Bankers Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Atlantic Community Bankers Bank's Texas Ratio?
Its Texas Ratio is 1.98% 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 Atlantic Community Bankers Bank previously called?
The charter now named Atlantic Community Bankers Bank has also operated as Atlantic Central Bankers Bank (1992-2013), per FDIC structure-change records.
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