ACNB Bank
Gettysburg, PA
IDRSSD: 5210
Total Assets
$3.23B
Latest filing
Total Deposits
$2.49B
Latest filing
Net Interest Margin
4.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
ACNB Bank
16 Lincoln Sq
Gettysburg, PA 17325
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/11/1857FDIC Certificate 4871
Branches (32)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| ACNB Bank (Main) | 16 Lincoln Sq | Gettysburg, PA |
| WEST GETTYSBURG BRANCH | 545 W Middle St | Gettysburg, PA |
| CASHTOWN BRANCH | 10 High Street | Cashtown, PA |
| NORTH GETTYSBURG BRANCH | 675 Old Harrisburg Rd | Gettysburg, PA |
| MCSHERRYSTOWN BRANCH | 369 Main St | Mc Sherrystown, PA |
| EAST BERLIN BRANCH | 1677 Route 194 N | East Berlin, PA |
| LITTLESTOWN BRANCH | 444 W King St | Littlestown, PA |
| CARROLL VALLEY BRANCH | 4910 Fairfield Rd | Fairfield, PA |
Showing 7 of 32
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/11/1857 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 17325 |
| State and County Number | 42001 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Gettysburg, PA |
Operational Info
| Number of Employees | 454 |
| Domestic Offices | 33 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.acnb.com |
| Data Updated | 11/14/2025 |
| CERT | 7506 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.23B |
| Total Deposits | $2.49B |
| Total Liabilities | $2.84B |
| Total Equity Capital | $390.54M |
| Net Income | $14.99M |
| Net Loans and Leases | $2.33B |
| Assets Per Employee ($Millions) | $7.09M |
| Bank Premises and Fixed Assets | $34.01M |
| Cash and Balances due from Depository Institutions | $101.83M |
| Deposits Held in Domestic Offices | $2.49B |
Key Performance Ratios
| Return on Assets (ROA) | 1.85% |
| Return on Equity (ROE) | 15.67% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 49.58% |
| Tier 1 Risk-Based Capital Ratio | 14.189% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.076% |
| Earning Assets to total Assets | 90.54% |
Income and Expense
| Total Interest Income | $42.49M |
| Total Noninterest Income | $5.86M |
| Total Interest Expense | $10.11M |
| Total Noninterest Expense | $19.92M |
| Net Interest Income | $32.38M |
| Pre-tax Net Operating Income | $19.05M |
| Provision for Credit Losses | $-729,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $32.00k |
| Other borrowed funds | $285.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $260.00k |
| Federal Funds Purchased and Repurchased Agreement | $32.63M |
| All Other Liabilities | $39.01M |
| Total Liabilities and Capital | $3.23B |
Securities
| Securities | $526.57M |
| Available-for-sale debt securities | $462.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $63.41M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of ACNB Bank?
$3.23B as of the latest filing.
How much are ACNB Bank's total deposits?
$2.49B in total deposits.
Where is ACNB Bank located?
Gettysburg, PA.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
33.
When was it established?
04/11/1857.
What is the Return on Assets (ROA)?
1.85%.
How much are total loans and leases?
$2.33B (latest filing).
What is the total interest income (latest filing)?
$42.49M.