Atlantic Community Bankers Bank: how it compares with its peers
Against 39 PA banks with half to twice its assets, Atlantic Community Bankers Bank's strongest measure in Q2 2026 is return on assets (1.32% vs. a 1.02% peer median). Its weakest relative measure is net interest margin (3.15% vs. 3.44%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.02% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 3.44% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.97% | 65.01% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $7.8M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.36% | 83.48% | Context |
What it means for lending operations
Its efficiency ratio of 71.97% is above the 65.01% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Northern Bank and Trust Company Palmerton, PA · $921M
- Harleysville Bank Harleysville, PA · $964M
- The Juniata Valley Bank Mifflintown, PA · $918M
- Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Jonestown, PA · $1.01B
- First Federal Savings and Loan Association of Greene Co Waynesburg, PA · $1.03B
- First Resource Bank Exton, PA · $841M
Questions about Atlantic Community Bankers Bank
How big is Atlantic Community Bankers Bank?
Atlantic Community Bankers Bank, established in 1983, is headquartered in Camp Hill, PA. It reported $942M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Atlantic Community Bankers Bank's return on assets?
1.32% annualized in Q2 2026, against a 1.02% median for 39 PA banks with half to twice its assets, ahead of 69% of them.
What is Atlantic Community Bankers Bank's efficiency ratio?
71.97% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 65.01%, and lower is better.
Is Atlantic Community Bankers Bank growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.