ACNB Bank is headquartered in GETTYSBURG and is the 20th largest bank in the state of Pennsylvania. It is also the 483rd largest bank in the nation. It was established in 1857 and as of March of 2023, it had grown to 350 employees at 27 locations. ACNB Bank has a B+ health rating.
A Very Reliable Bank
Adams County Bank has been my local Bank of choice for over 10 years. Overall, the Bank is very reliable and customer service oriented. There are a few locations within Adams County very close to my home which is always helpful. One thing to note about the Bank though is their technological side could catch up to other banks. Only VERY recently have they come out with direct mobile deposit, and opening an account online is still something they are perfecting. Now I do understand since they are not a national brand across the US that they may not have the resources to develop more of a presence in the tech side of things, but it would be helpful as our current society continues to grow so rapidly in technology. As stated earlier, I've never had an issue with them customer service/wise. They've always helped me and one time I lost all my checks, they quickly refreshed my account with a new number, etc., the same day I reported it. I'll always be a loyal Adams County Bank Customer.
This Bank Has Really Changed…But Not Improved
In recent years there have been many senior management and Director changes. After 40+ years as a customer, I hardly recognize this bank anymore.
No respect for retail or deposit customers at all. The emphasis is clearly on the larger commercial borrowers. Community banks depend on stable depositors. But ACNB no longer cares about this core constituency…too bad…used to be a fine Bank.
Worst Bank In 35 Years Banking
I will never knowingly alow them to make another cent off me, i will not accept payment of any kind for business or personal from that bank, and any business useing them will not get a dime from me.
Data as of Q1 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7506 |
| Year Established | 1857 |
| Employees | 350 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.53% |
| Return on Equity - YTD | 16.1% |
| Annual Interest Income | $23.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2023vs Q1 2022 | $2.39B$2.72B |
| Loans | Q1 2023vs Q1 2022 | $1.51B$1.47B |
| Deposits | Q1 2023vs Q1 2022 | $2.08B$2.42B |
| Equity Capital | Q1 2023vs Q1 2022 | $236.4MM$250.3MM |
| Loan Loss Allowance | Q1 2023vs Q1 2022 | $19.5MM$19.0MM |
| Unbacked Noncurrent Loans | Q1 2023vs Q1 2022 | $3.8MM$5.5MM |
| Real Estate Owned | Q1 2023vs Q1 2022 | $474.00K$0 |
