# ACNB BANK
GETTYSBURG, PA · FDIC certificate 7506 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.30B | |
| Deposits | $2.55B | |
| Loans and leases | $2.43B | |
| Total equity | $407.4M | |
| Loans / deposits | 94.24% (p72 of band) | 87.10% |
| Liquid assets / assets | 18.51% (p39 of band) | |
| Uninsured deposits / deposits | 22.40% (p23 of band) | 30.76% |
| Brokered deposits | 2.27% | |
| Wholesale funding | 11.52% (p70 of band) | |
| FHLB advances / assets | 8.63% | |
| Tier 1 leverage | 11.25% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -8.56% (p46 of band) | -7.75% |
| AOCI / equity | -0.29% (p51 of band) | |
| ROA (annualized) | 1.80% (p82 of band) | 1.26% |
| Net interest margin | 4.55% (p89 of band) | 3.70% |
| Efficiency ratio | 50.54% (p25 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 244.49% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 28.18% (p28 of band) | |
| Auto loans | $315,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 449 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2020-06 | 0 |  | losing money, expense ratio p90, charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | assets shrinking, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 1 | losing money |  |
| 2025-06 | 1 | capital falling | losing money |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-24 [ACNB Bank reopens Lincoln Square office - GettysburgTimes.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPeC1sbEJ5ak9DdkRodF9GZUFaTGdyN2xxSlhTUnQ0R0MxRHJnVFozeWVnWGhtRHkxb2luLXVKSkFGMVAybTlEbEVya0ZsVms0cUxYTDQ4UG9OM2NxZWtHYnJjWmlKYTRSM2x0VHJVZ3pQWnZySVAya2lOTW5oMVB5QTRyMm82YWRxVTNVZy1VWVNKLXBIRm83VDJVZHFWYTZibWY0SWR1bGFOcVZ5T0x4M1IybWo0OHdfMjU0OXRycVh4Tm9rdDM3RXdyY1E?oc=5) · GettysburgTimes.com
- 2025-12-11 [Car crashes into Dillsburg bank - local21news.com](https://news.google.com/rss/articles/CBMiogJBVV95cUxOR1h1cG9MQTRNVzU1eElIckZHNFp1NUlrSnJVQzc4aDdKdHhPb05ibkV6R1V3dlpGV2VXcFV1VDR2LV9OVHVOZFVaZ0hfVnFsSWdVTzhGMWVPZDNUbnB3a2JXRHBfVkt0eWdrN3hpNDJMdURrZGtDLWdRaHloUlVJekRCRW5JVVhLTlZyamd3elYyZ2I5QlRsMEMyVnhJVmhqeXltN2VIWWE3MjV1VnhJUDk0NUJON2hscjdPdWxTSzFYTktxU2lEaTRfaGJOMGh1Tk9qT0NmaGZDYjQxQnVPVnlvZXZRb1hhenNHdVpyX1JyaEhZSy00R0dacXhCc01xckl2SHhJNEF3WGt3LTVsTTA3MEU0NEpxY3VsVU5SWmlrUQ?oc=5) · local21news.com
- 2025-02-04 [ACNB completes Traditions Bancorp acquisition in US - Retail Banker International](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNQzV1aVhQaV9PR1JYWTJhUml2LUl6bUlJRWNnVHl6WWp0b25fcGc2Z08tVnd4ek93MExUbXhXY1FYbnBmTEpQM1J2cGluVmctZUJvOVBKUkdnN1o5UmYyS3l3YnVWaG5NQW9OT29iTXpkX0YyRFVMZVVWM3VSVmZ2eHlYOEdpbmNP?oc=5) · Retail Banker International
- 2023-11-27 [Marvin Vigil Joins ACNB Bank - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1Zd3czbHlpUXhxQkpfNEk0ZUtaNHRwMlZtdWNNVDdsT00zU3lfTWZ2S0QzdjVOaWFqbktlbFBraTBYcUxDTlhzUkc2Snhqdw?oc=5) · I95 Business
- 2025-02-03 [ACNB Corporation Completes Acquisition of Traditions Bancorp, Enhancing Community Banking Presence in Pennsylvania - Quiver Quantitative](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQZlhVYVR4ZXR0UGx2UGNZNl9nTEx1bGFXM3AwTm5QY3MyVzZTYl80SDIwcXBTVjBadTRoU2RqUGtLUUtsOHdkcDg2SHJsZHROMFI4Q2E1cVVTMWFlWFJHNVV3WkJtSEc2YU1sckF1c1lubENZb2NLdmFSaG9NaUZHZFFoa0dOeTNaZGdHc3RIM1ZUYTA1b1pVY29nMFVWcDV5dTNMUndlajBZS3NnQmNfREdSTXFNT2ZLMl9ZenZQYVhpWVFDM3daV1AxcU9NZksyb0xzOUI0UkVsZEs1c0ZIZw?oc=5) · Quiver Quantitative
- 2024-03-15 [Package left behind by 3 people 'acting suspiciously' at Adams County bank prompts large police response - fox43.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOTmdhMTh0aTZSQWVnR0JaM29VazJjWFhyZDV3OFA4TEJieXFnLTlPa0FQNFY3aTFzSzhpVFNrMnJSbjltMHpPWVlNa19oNWlkV0wtN0VSU3ozcDZ1V3B4cHZlN1RwRUpNclVKcFpLTE1KV3dtMDZPM210d3VaTlBMZU52LWlWcWNwV3ZjRVh5VTdHc25lblNSNGVJeXpMUFRKV0poNjBVUEVSZzh4ZDNHWDhkYi1fSE5aZjBwYXNtRmxmaE1BUmJGVkRzOUd6OUpVMTN4eFpR?oc=5) · fox43.com
- 2023-01-23 [Nicholas C. Litrenta Joins ACNB Bank - Berks Community Television](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUmRkVjFYTHMyTVJ4SUl4NXJlMlIxaGdpa2RsWTNzS3g0dkZ6a2JxR0hJSGFCSU56UmlHb1JEQVVJSi0xSnpMWFF4X19GVW5RcjdvajNub1U1OFN3ZnF6X0duMmRzcFMyNmE2U2ItRzRIa1ZQMTdScU85cVVISnlJVEExVFBZUGow?oc=5) · Berks Community Television
- 2024-02-29 [Patrick T. Martin Joins ACNB Bank as Community Banking Manager - PRWeb](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQWGhRZXlWOG5DWWRvZkt4UjlQYzRnaHYyYTZPcTdGZ2ZlYTBjQW9RRUpVTnJCNmxzNS1RV3h2blBQWnhuTHRwNGRGTUFVblNuZ2lXNjRhWGo0Q3RMRjAydWpjXy1SQmR1Nng2TDBfS1FlMkFYQWEwX19rd3lCdVBVYzg5VUlfLTRxaGZvUHM4YUVNdE04RUZ4andfZ3lhSXVZT242dC1BcVVqam8?oc=5) · PRWeb

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7506 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "7506", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide