Acnb Bank (FDIC #7506): Bank Stress & Real-Estate Credit Exposure
Acnb Bank (FDIC Cert #7506): bank stress 46/100, moderate, STABLE over 7 days; parent ACNB CORP (ACNB).
Acnb Bank (#7506) lends in 7 counties across 2 states; Acnb Bank (#7506) reaches 209 ZIP codes: Pennsylvania 5 counties, 164 ZIPs; Maryland 2 counties, 45 ZIPs.
Acnb Bank (#7506) largest markets: Lancaster County, PA (122 branches, 61 ZIPs) (#7506), York County, PA (423 branches, 47 ZIPs) (#7506), Frederick County, MD (140 branches, 35 ZIPs) (#7506), Franklin County, PA (31 branches, 31 ZIPs) (#7506), Cumberland County, PA (21 branches, 21 ZIPs) (#7506), Adams County, PA (180 branches, 18 ZIPs) (#7506).
Acnb Bank (#7506) reports $3.30 billion in total assets; Acnb Bank (#7506) equity $407.4 million (12.3% of Acnb Bank (#7506) assets); Acnb Bank (#7506) domestic deposits $2.55 billion; Acnb Bank (#7506) net income $29.4 million; Acnb Bank (#7506) return on assets 1.80%; Acnb Bank (#7506) return on equity 14.53%; Acnb Bank (#7506) net interest income $67.1 million; Acnb Bank (#7506) call report June 30, 2026.
Acnb Bank (#7506) noncurrent real-estate loans 0.01% of its book; Acnb Bank (#7506) residential 0.02%; Acnb Bank (#7506) net charge-offs on real estate 0.35%; Acnb Bank (#7506) multifamily charge-offs 0.08%; Acnb Bank (#7506) residential charge-offs 0.25%.
Acnb Bank (#7506) net interest margin 4.55% against an eight-quarter Acnb Bank (#7506) average of 4.30% (Acnb Bank (#7506) compression -0.26 points); Acnb Bank (#7506) real-estate loans 1.1% of equity; Acnb Bank (#7506) non-residential real estate 24.8% of equity; Acnb Bank (#7506) rate-exposure score 40/100, Acnb Bank (#7506) fixed-rate trap 40/100; Acnb Bank (#7506) risk type credit driven; Acnb Bank (#7506) rate regime rates elevated; Acnb Bank (#7506) shares 4.0% below the 52-week high, Acnb Bank (#7506) equity trend stable, Acnb Bank (#7506) snapshot October 19, 2026.
Acnb Bank (#7506) stress score moved from 45.4 on June 22, 2026 to 46.3 on October 19, 2026; Acnb Bank (#7506) ranged 45.4 to 46.3 over 116 snapshots.
Acnb Bank (#7506) alerts: 7 counties; top Acnb Bank (#7506) alert scores: Lancaster County, PA 35 (low); York County, PA 28 (low); Chambersburg County, PA 18 (low); New Oxford County, PA 18 (low); Newville County, PA 18 (low).