ACNB BANK

FDIC #7506 · PA · period 20260630

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Total assets1,139,823-7.32% YoY

Total deposits918,844-8.16% YoY

Net loans and leases853,309-9.11% YoY

Return on assets0.86%-5.19% YoY

Return on equity10.06%-7.02% YoY

Net interest margin3.45%+1.65% YoY

Peer position

Return on assets82ndstrength · n=902

Return on equity69thin line · n=894

Net interest margin89thstrength · n=902

Equity to assets79thstrength · n=894

Noncurrent loans60thin line · n=887

Liquid assets41stin line · n=895

Brokered deposits43rdin line · n=890

Loans to deposits29thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,139,823	918,844	853,309	0.86	10.06	3.45
2016-06-30	1,157,164	928,686	853,151	0.92	10.70	3.43
2016-09-30	1,196,953	972,312	859,412	0.91	10.67	3.41
2016-12-31	1,194,547	977,123	895,486	0.92	10.79	3.41
2017-03-31	1,229,894	1,000,508	938,797	0.90	10.82	3.39
2017-06-30	1,250,572	1,015,145	956,805	0.89	10.64	3.42
2017-09-30	1,596,069	1,322,308	1,224,138	0.76	8.94	3.62
2017-12-31	1,583,827	1,308,652	1,231,930	0.73	8.50	3.70
2018-03-31	1,598,890	1,324,374	1,224,811	1.24	13.67	3.75
2018-06-30	1,611,403	1,345,001	1,234,920	1.28	13.98	3.81
2018-09-30	1,636,026	1,359,533	1,260,144	1.34	14.57	3.84
2018-12-31	1,633,945	1,356,189	1,288,909	1.34	14.50	3.90
2019-03-31	1,657,502	1,375,652	1,287,615	1.42	14.68	3.91
2019-06-30	1,665,469	1,385,891	1,268,216	1.45	14.74	3.94
2019-09-30	1,721,986	1,426,126	1,277,371	1.47	14.85	3.92
2019-12-31	1,706,094	1,420,245	1,261,172	1.41	14.09	3.89
2020-03-31	2,166,601	1,818,918	1,594,973	-0.08	-0.77	3.98
2020-06-30	2,398,495	2,040,840	1,721,058	0.50	4.70	3.77
2020-09-30	2,489,219	2,123,351	1,691,726	0.73	6.95	3.62
2020-12-31	2,541,188	2,192,657	1,628,592	0.84	8.08	3.54
2021-03-31	2,640,070	2,301,074	1,602,481	1.10	11.33	2.91
2021-06-30	2,694,267	2,354,796	1,540,236	1.20	12.36	3.00
2021-09-30	2,778,405	2,434,215	1,471,680	1.15	11.95	2.95
2021-12-31	2,772,684	2,441,127	1,451,587	1.03	10.73	2.89
2022-03-31	2,723,933	2,420,816	1,466,486	1.02	10.79	2.70
2022-06-30	2,661,526	2,370,738	1,491,294	1.11	11.93	2.95
2022-09-30	2,632,381	2,347,458	1,509,176	1.25	13.70	3.20
2022-12-31	2,487,272	2,201,468	1,520,872	1.33	14.62	3.44
2023-03-31	2,391,538	2,076,877	1,512,308	1.53	16.10	4.21
2023-06-30	2,358,620	1,985,709	1,554,669	1.53	15.87	4.16
2023-09-30	2,368,600	1,972,054	1,596,702	1.53	15.69	4.14
2023-12-31	2,397,993	1,878,875	1,608,299	1.33	13.35	4.11
2024-03-31	2,395,476	1,852,208	1,644,896	1.19	10.94	3.84
2024-06-30	2,439,995	1,855,293	1,664,239	1.52	13.87	3.86
2024-09-30	2,403,350	1,809,155	1,660,978	1.44	12.90	3.87
2024-12-31	2,377,180	1,812,773	1,666,056	1.38	12.16	3.89
2025-03-31	3,252,111	2,557,926	2,318,976	-0.00	-0.01	4.29
2025-06-30	3,242,501	2,548,080	2,333,918	0.77	6.67	4.38
2025-09-30	3,233,976	2,486,800	2,329,795	1.17	9.93	4.43
2025-12-31	3,211,593	2,475,524	2,335,012	1.23	10.39	4.48
2026-03-31	3,253,225	2,547,960	2,340,785	1.75	14.02	4.48
2026-06-30	3,303,705	2,554,875	2,407,626	1.80	14.53	4.55

Structure and branch footprint

33 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-02-01	1	3145797	5210
2020-01-11	1	3058329	5210
2017-07-01	1	57228	5210
2000-10-01	1	269816	5210
1987-04-01	1	876616	5210
1978-12-31	1	480611	5210
1969-08-01	1	974615	5210
1967-12-01	1	540319	5210
1962-12-10	1	438313	5210

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.