Total Assets
$3.3B
Total Deposits
$2.6B
Branches
33
Established
1857
ACNB Bank is a bank headquartered in Gettysburg, Pennsylvania, established in 1857. It holds $3.3B in total assets across 33 branch locations. In our editorial opinion, based on public FDIC/NCUA data, ACNB Bank earns a TFS Financial Health Grade of A (88.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
88.1 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| ACNB BankHQ | 16 Lincoln Sq | Gettysburg | PA | 11 |
| ACNB Bank | 2 N Market St | Frederick | MD | 11 |
| ACNB Bank | 6910 Crestwood Blvd | Frederick | MD | 11 |
| ACNB Bank | 165 Thomas Johnson Dr | Frederick | MD | 11 |
| ACNB Bank | 1001 Twin Arch Rd | Mount Airy | MD | 11 |
| ACNB Bank | 213 Main St | New Windsor | MD | 11 |
| ACNB Bank | 222 E Baltimore St | Taneytown | MD | 11 |
| ACNB Bank | 200 Commerce Dr | Walkersville | MD | 11 |
| ACNB Bank | 444 Wmc Dr | Westminster | MD | 11 |
| ACNB Bank | 810 Market St | Westminster | MD | 11 |
| ACNB Bank | 3425 Biglerville Rd | Biglerville | PA | 11 |
| ACNB Bank | 10 High Street | Cashtown | PA | 23 |
| ACNB Bank | 850 Norland Ave | Chambersburg | PA | 11 |
| ACNB Bank | 3 Tristan Dr | Dillsburg | PA | 11 |
| ACNB Bank | 1677 Route 194 N | East Berlin | PA | 11 |
| ACNB Bank | 4910 Fairfield Rd | Fairfield | PA | 11 |
| ACNB Bank | 675 Old Harrisburg Rd | Gettysburg | PA | 11 |
| ACNB Bank | 545 W Middle St | Gettysburg | PA | 11 |
| ACNB Bank | 1127 Eichelberger St | Hanover | PA | 11 |
| ACNB Bank | 1801 Baltimore Pike | Hanover | PA | 11 |
| ACNB Bank | 160 N. Pointe Blvd. | Lancaster | PA | 99 |
| ACNB Bank | 1687 Oregon Pike | Lancaster | PA | 11 |
| ACNB Bank | 2151 State Road | Lancaster | PA | 11 |
| ACNB Bank | 444 W King St | Littlestown | PA | 11 |
| ACNB Bank | 369 Main St | Mc Sherrystown | PA | 11 |
| ACNB Bank | 318 Lincoln Way E | New Oxford | PA | 11 |
| ACNB Bank | 39 Carlisle Rd | Newville | PA | 11 |
| ACNB Bank | 221 N Main St | Spring Grove | PA | 11 |
| ACNB Bank | 2305 N Susquehanna Trl | York | PA | 11 |
| ACNB Bank | 2170 White St | York | PA | 11 |
| ACNB Bank | 201 Pauline Dr | York | PA | 11 |
| ACNB Bank | 100 N George St | York | PA | 11 |
| ACNB Bank | 2450 Eastern Blvd | York | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
88.1
Tier 1 capital ratio
11.25%
Return on assets
1.80%
Non-performing loans
0.40%
Efficiency ratio
50.54%
Asset growth (YoY)
1.89%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.