ACNB Bank: how it compares with its peers
Against 19 PA banks with half to twice its assets, ACNB Bank's strongest measure in Q2 2026 is return on assets (1.80% vs. a 1.16% peer median). Its weakest relative measure is assets per employee ($7.4M vs. $9.3M).
| Measure | ACNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.16% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 3.75% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.54% | 59.02% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $9.3M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.24% | 88.02% | Context |
What it means for lending operations
Its efficiency ratio of 50.54% is better than the 59.02% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Citizens Community Bank Mansfield, PA · $3.19B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
- Penn Community Bank Doylestown, PA · $3.07B
- The Fidelity Deposit and Discount Bank Dunmore, PA · $2.97B
- NEXTIER BANK, NATIONAL ASSOCIATION Kittanning, PA · $2.93B
- Wayne Bank Honesdale, PA · $2.91B
Questions about ACNB Bank
How big is ACNB Bank?
ACNB Bank, established in 1857, is headquartered in Gettysburg, PA. It reported $3.30B in total assets in its Q2 2026 FDIC call report and operates 33 offices.
What is ACNB Bank's return on assets?
1.80% annualized in Q2 2026, against a 1.16% median for 19 PA banks with half to twice its assets, ahead of 100% of them.
What is ACNB Bank's efficiency ratio?
50.54% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 59.02%, and lower is better.
Is ACNB Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 0.3%.
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.