Adams County National Bank

16 Lincoln Square
Gettysburg, PA 17325
1-888-334 (2262)
www.acnb.com

OverView
Rates
Health
Reviews

Adams County National Bank is headquartered in Gettysburg and is the 32^nd largest bank in the state of Pennsylvania. It is also the 662^nd largest bank in the nation. It was established in 1857 and as of December of 2011, it had grown to 259 employees at 18 locations. Adams County National Bank has a 4-star health rating.

Adams County National Bank Routing Number: 031309945

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Adams County National Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Checking +
0.05%	$100	-	Esteem Checking

Adams County National Bank Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	VIP Club with Automatic Deduction Account
0.10%	-	-	Christmas Club with Automatic Deduction Account
0.05%	$100	-	Statement Savings Account
0.05%	-	-	MyBux Savings Club Account
0.05%	-	-	Buckley's Savers Club Account
0.05%	$100	-	Business Savings Account
0.05%	-	-	Christmas Club with Coupon Book Account

Adams County National Bank Money Market Rates

Apy	Min	Max	Product
0.20%	$100k	-	Classic Money Market Account
0.10%	$1k	-	Money Market Account
0.10%	$25	-	IRA Money Market Account

Adams County National Bank CD Rates

Apy	Min	Max	Product
1.05%	$500	-	60 Month CD
0.90%	$1k	$250k	25 Month Step Up CD Special
0.80%	$500	-	48 Month CD
0.70%	$1k	$250k	13 Month Step Up CD Special
0.60%	$500	-	36 Month CD
0.40%	$500	-	30 Month CD
0.35%	$500	-	24 Month CD
0.25%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.10%	$1k	-	32 - 90 Day CD
0.10%	$500	-	6 Month CD
0.05%	$1k	-	8 - 31 Day CD

Adams County National Bank IRA Rates

Apy	Min	Max	Product
1.05%	$500	-	60 Month IRA
1.05%	$500	-	60 Month Roth IRA
1.05%	$500	-	60 Month Coverdell ESA
0.90%	$1k	$500k	25 Month Step Up Coverdell ESA Special
0.90%	$1k	$500k	25 Month Step Up IRA Special
0.90%	$1k	$500k	25 Month Step Up Roth IRA Special
0.80%	$500	-	48 Month IRA
0.80%	$500	-	48 Month Roth IRA
0.80%	$500	-	48 Month Coverdell ESA
0.70%	$1k	$250k	13 Month Step Up IRA Special
0.70%	$1k	$250k	13 Month Step Up Roth IRA Special
0.70%	$1k	$250k	13 Month Step Up Coverdell ESA Special
0.60%	$500	-	36 Month IRA
0.60%	$500	-	36 Month Roth IRA
0.60%	$500	-	36 Month Coverdell ESA
0.40%	$500	-	30 Month IRA
0.40%	$500	-	30 Month Roth IRA
0.40%	$500	-	30 Month Coverdell ESA
0.25%	$500	-	18 Month IRA Flex Account
0.25%	$500	-	18 Month IRA
0.25%	$500	-	18 Month Roth IRA
0.25%	$500	-	18 Month Roth IRA Flex Account
0.25%	$500	-	18 Month Coverdell ESA
0.25%	$500	-	18 Month Coverdell ESA Flex Account
0.20%	$500	-	12 Month IRA
0.20%	$500	-	12 Month Roth IRA
0.20%	$500	-	12 Month Coverdell ESA
0.10%	$500	-	6 Month IRA
0.10%	$500	-	6 Month Roth IRA
0.10%	$500	-	6 Month Coverdell ESA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

ACNB Bank
FDIC Certificate #	7506
BankRate Report	View
Year Established	1857
Employees	259
Primary Regulator	FDIC
Assets and Liabilities
Assets	$988.86 million
Loans	$679.32 million
Deposits	$785.01 million
Equity Capital	$83.27 million
Loan Loss Allowance	$15.48 million
Unbacked Noncurrent Loans	$14.04 million
Real Estate Owned	$4.44 million
Historic Data - December 2010
Assets	$953.15 million
Equity Capital	$80.68 million
Loan Loss Allowance	$15.25 million
Unbacked Noncurrent Loans	$15.65 million
Real Estate Owned	$7.86 million
Profit Margin - Quarterly
Net Interest Margin	3.85%
Return on Assets	0.8%
Return on Equity	9.42%
Interest Income	$41.81 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Adams County National Bank had $18.47 million in non-current loans and owned real-estate with $98.76 million in equity and loan loss allowances on hand to cover it. This gives Adams County National Bank a Texas Ratio of 18.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Adams County National Bank decreased slightly from 24.51% as of December 31, 2010 to 18.71% as of December 31, 2011, resulting in a positive change of 23.68%.This indicates that the balance sheet and financial strength for Adams County National Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Adams County National Bank has increased its total deposits by $37.38 million, resulting in 5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Adams County National Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Adams County National Bank has $988.86 million in assets with $98.76 million in equity, resulting in a capitalization level of 9.99%, which is average.

No reviews have been left for this bank yet. Be the first to review.