Overview / Commentary
ACNB Bank is headquartered in GETTYSBURG and is the 16th largest bank in the state of Pennsylvania. It is also the 382nd largest bank in the nation. It was established in 1857 and as of March of 2025, it had grown to 462 employees at 37 locations. ACNB Bank has an A+ health rating.
Reviews (1)
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.
Health
A+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7506 |
| Year Established | 1857 |
| Employees | 462 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0% |
| Return on Equity - YTD | -0.01% |
| Annual Interest Income | $36.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $3.25B$2.4B |
| Loans | Q1 2025vs Q1 2024 | $2.32B$1.64B |
| Deposits | Q1 2025vs Q1 2024 | $2.56B$1.85B |
| Equity Capital | Q1 2025vs Q1 2024 | $370.9MM$261.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $24.6MM$20.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $10MM$3.9MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $438K$467K |
