Bank · FDIC insured
ACNB Bank
A $3.3B bank, the 384th largest of 4,207, headquartered in Gettysburg, PA, with 32 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.00%Needs another account or monthly activityCD rates →
- Savings—2.50%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About ACNB Bank
- Headquarters
- 16 Lincoln Sq, Gettysburg, PA 17325
- FDIC certificate
- 7506 ↗
Branches
32 branches in 2 states
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Pennsylvania
23 branches
Gettysburg area · 10
- ACNB BankMain office16 Lincoln Sq, Gettysburg, PA 17325Directions
- Upper Adams Branch3425 Biglerville Rd, Biglerville, PA 17307Directions
- Cashtown Branch10 High Street, Cashtown, PA 17310Directions
- East Berlin Branch1677 Route 194 N, East Berlin, PA 17316Directions
- Carroll Valley Branch4910 Fairfield Rd, Fairfield, PA 17320Directions
- North Gettysburg Branch675 Old Harrisburg Rd, Gettysburg, PA 17325Directions
- West Gettysburg Branch545 W Middle St, Gettysburg, PA 17325Directions
- Littlestown Branch444 W King St, Littlestown, PA 17340Directions
- Mcsherrystown Branch369 Main St, McSherrystown, PA 17344Directions
- New Oxford Branch318 Lincoln Way E, New Oxford, PA 17350Directions
York area · 9
- Dillsburg Branch3 Tristan Dr, Dillsburg, PA 17019Directions
- North Hanover Branch1127 Eichelberger St, Hanover, PA 17331Directions
- South Hanover Branch1801 Baltimore Pike, Hanover, PA 17331Directions
- Spring Grove Office Branch221 N Main St, Spring Grove, PA 17362Directions
- Downtown York Branch100 N George St, York, PA 17401Directions
- Eastern Boulevard Branch2450 Eastern Blvd, York, PA 17402Directions
- South York Plaza Office201 Pauline Dr, York, PA 17402Directions
- Susquehanna Trail Branch2305 N Susquehanna Trl, York, PA 17404Directions
- White Street Branch2170 White St, York, PA 17404Directions
Lancaster area · 2
- Oregon Pike Branch1687 Oregon Pike, Lancaster, PA 17601Directions
- State Road Lancaster Branch2151 State Road, Lancaster, PA 17601Directions
Chambersburg area · 1
- Chambersburg Office850 Norland Ave, Chambersburg, PA 17201Directions
Harrisburg area · 1
- Newville Branch39 Carlisle Rd, Newville, PA 17241Directions
Maryland
9 branches
Baltimore area · 5
- Mt. Airy Branch1001 Twin Arch Rd, Mount Airy, MD 21771Directions
- New Windsor Br213 Main St, New Windsor, MD 21776Directions
- Taneytown Branch222 E Baltimore St, Taneytown, MD 21787Directions
- College Square Branch444 Wmc Dr, Westminster, MD 21158Directions
- Market Place Branch810 Market St, Westminster, MD 21157Directions
Washington area · 4
- 2 North On The Square Branch2 N Market St, Frederick, MD 21701Directions
- Aspen Ridge Branch165 Thomas Johnson Dr, Frederick, MD 21702Directions
- Crestwood Branch6910 Crestwood Blvd, Frederick, MD 21703Directions
- Walkersville Branch200 Commerce Dr, Walkersville, MD 21793Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.25% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.40% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.80% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalLeverage ratio11.25%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.40%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.80%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of ACNB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.