What is ACNB Bank's financial health grade?

ACNB Bank has a TFS Financial Health Grade of C- (score: 71.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does ACNB Bank have?

ACNB Bank has 33 branch locations across the United States.

Is ACNB Bank FDIC insured?

Yes, ACNB Bank is FDIC insured (Certificate #7506).

What are the total assets of ACNB Bank?

ACNB Bank has total assets of $3.2B as reported in its most recent FDIC filing.

ACNB Bank

BankGettysburg, Pennsylvania

http://www.acnb.com

Total Assets

$3.2B

Total Deposits

$2.5B

Branches

Established

1857

TFS Health Grade

C-

71.5 / 100

Average financial health

How we grade

ACNB Bank is a bank headquartered in Gettysburg, Pennsylvania, established in 1857. With $3.2B in total assets and 33 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.92%(8%)

Total Capital Ratio

15.30%(10%)

Non-Performing Loan Ratio

0.45%

Profitability

Return on Assets (ROA)

1.23%(1%)

Return on Equity (ROE)

10.39%(10%)

Net Interest Margin

4.48%

Efficiency Ratio

59.69%(60%)

Lending & Liquidity

Total Loans

$2.4B

Loan-to-Deposit Ratio

94.32%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+35.10%

Deposit Growth (YoY)

+36.56%

Net Income

$37.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
ACNB BankHQ	16 Lincoln Sq	Gettysburg	PA	11
ACNB Bank	2 N Market St	Frederick	MD	11
ACNB Bank	6910 Crestwood Blvd	Frederick	MD	11
ACNB Bank	165 Thomas Johnson Dr	Frederick	MD	11
ACNB Bank	1001 Twin Arch Rd	Mount Airy	MD	11
ACNB Bank	213 Main St	New Windsor	MD	11
ACNB Bank	222 E Baltimore St	Taneytown	MD	11
ACNB Bank	200 Commerce Dr	Walkersville	MD	11
ACNB Bank	444 Wmc Dr	Westminster	MD	11
ACNB Bank	810 Market St	Westminster	MD	11
ACNB Bank	3425 Biglerville Rd	Biglerville	PA	11
ACNB Bank	10 High Street	Cashtown	PA	23
ACNB Bank	850 Norland Ave	Chambersburg	PA	11
ACNB Bank	3 Tristan Dr	Dillsburg	PA	11
ACNB Bank	1677 Route 194 N	East Berlin	PA	11
ACNB Bank	4910 Fairfield Rd	Fairfield	PA	11
ACNB Bank	675 Old Harrisburg Rd	Gettysburg	PA	11
ACNB Bank	545 W Middle St	Gettysburg	PA	11
ACNB Bank	1127 Eichelberger St	Hanover	PA	11
ACNB Bank	1801 Baltimore Pike	Hanover	PA	11
ACNB Bank	160 N. Pointe Blvd.	Lancaster	PA	99
ACNB Bank	1687 Oregon Pike	Lancaster	PA	11
ACNB Bank	2151 State Road	Lancaster	PA	11
ACNB Bank	444 W King St	Littlestown	PA	11
ACNB Bank	369 Main St	Mc Sherrystown	PA	11
ACNB Bank	318 Lincoln Way E	New Oxford	PA	11
ACNB Bank	39 Carlisle Rd	Newville	PA	11
ACNB Bank	221 N Main St	Spring Grove	PA	11
ACNB Bank	2305 N Susquehanna Trl	York	PA	11
ACNB Bank	2170 White St	York	PA	11
ACNB Bank	201 Pauline Dr	York	PA	11
ACNB Bank	100 N George St	York	PA	11
ACNB Bank	2450 Eastern Blvd	York	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.