ACNB Bank
Gettysburg, Pennsylvania, Adams County
$3.3B in total assets, the 399th largest of 4,309 US banks and 16th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7506
- Established
- 1857
- Owned by
- Acnb Corp
- Primary regulator
- FDIC
- Website
- http://www.acnb.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.3B | 81% | $2.2B | |
| Loans | $2.4B | 81% | $1.6B | |
| Deposits | $2.6B | 75% | $1.8B | |
| Return on assets | 1.72% | 97% | 1.16% | |
| Net interest margin | 4.55% | 97% | 3.71% | |
| Efficiency ratio | 50.5% | 8% | 59.5% | |
| Equity to assets | 12.33% | 86% | 10.31% | |
| Loans to deposits | 95% | 69% | 89% |
Growth
Total assets grew 4.2% a year over the last 5 years and 11.1% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2025 | Traditions Bank York, PA | $870M |
| Jan 2020 | Frederick County Bank Frederick, MD | $434M |
| Jul 2017 | New Windsor State Bank New Windsor, MD | $321M |
| Oct 2000 | The Farmers National Bank of Newville Newville, PA, an affiliate under the same holding company | $43M |
| Apr 1987 | The Bendersville National Bank Bendersville, PA | $20M |
| Dec 1978 | The National Bank of Arendtsville Arendtsville, PA | n/a |
Where they operate
32 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Adams County, PA | $1.1B | 60.6% | 1 of 4 |
| York County, PA | $772M | 8.2% | 5 of 15 |
| Frederick County, MD | $290M | 4.4% | 9 of 15 |
| Carroll County, MD | $273M | 5.3% | 6 of 10 |
| Cumberland County, PA | $67M | 0.6% | 16 of 20 |
| Lancaster County, PA | $51M | 0.3% | 20 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 11 branches since 2016 (21 to 32, +52.4%). 1 opened, 18 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 21 | |||
| 2016 | Opened York | 1 | 0 | +1 | 22 |
| 2017 | Acquired New Windsor State Bank | 7 | 0 | +7 | 29 |
| 2020 | Acquired Frederick County BankClosed Chambersburg | 5 | 1 | +4 | 33 |
| 2021 | Closed Eldersburg and York Springs | 0 | 2 | −2 | 31 |
| 2022 | Closed 5 in 2 states | 0 | 5 | −5 | 26 |
| 2025 | Acquired Traditions Bank | 6 | 0 | +6 | 32 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 32% | |
| 1-4 family residential | 31% | 35% | |
| Farmland | 6% | 3% | |
| Multifamily | 6% | 7% | |
| Business (C&I) | 6% | 10% | |
| Construction and land | 5% | 6% | |
| Agricultural | 1% | 0% | |
| Consumer | 0% | 3% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 54% | |
| Noninterest-bearing | 24% | 19% | |
| Time deposits | 19% | 27% |
Brokered deposits are 2.9% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.58% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 0.99% | 0.98% |
| Leverage ratio | 11.25% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Adams County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/acnb