Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
69th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 15, 2026
Call-report figures are for ACNB Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | ACNB Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.1% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (69th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.2M in Q2 2026, 5.4% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for ACNB Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$8K | +0.6% |
| Q1 2026 | $1.2M | −$47K | −3.7% |
| Q4 2025 | $1.3M | −$4K | −0.3% |
| Q3 2025 | $1.3M | +$107K | +9.1% |
| Q2 2025 | $1.2M | +$85K | +7.8% |
| Q1 2025 | $1.1M | +$10K | +0.9% |
| Q4 2024 | $1.1M | +$36K | +3.4% |
| Q3 2024 | $1.0M | +$27K | +2.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, ACNB Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to ACNB Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly fee (audience not stated, treated as personal) | $20 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $3 | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $9.95 | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $7.95 | per month | None |
Other feesUnder review | |||
| 50% discount on safe deposit box annual rental, subject to availability and automatic (audience not stated, treated as personal) | Not stated | per year | None |
| 50% discount on safe deposit box annual rental, subject to availability and automatic payment deduction from Classic Mon (audience not stated, treated as personal) | Not stated | per year | None |
| and over. (and for FCB only (audience not stated, treated as personal) | $499,999.01 | Not stated | None |
| Annual fee (audience not stated, treated as personal) | $50 | per year | None |
| collected balance. Other interest rate tiers include (audience not stated, treated as personal) | $2,500 | per day | None |
| Fee will be charged each month if the account falls below (audience not stated, treated as personal) | $3 | per month | None |
| fee/month if account falls below average daily balance (audience not stated, treated as personal) | $5.95 | per month | None |
| Interest rate tiers include the following daily collected balances (audience not stated, treated as personal) | $500 | per day | None |
| Low annual fee (audience not stated, treated as personal) | $49 | per year | None |
| May provide Overdraft Protection for an ACNB Bank checking account. A disbursement, in (audience not stated, treated as personal) | $100 | Not stated | None |
| monthly service fee if account falls below average daily balance of (audience not stated, treated as personal) | $10 | per month | None |
| off fees at the time of closing for residential mortgage loans and home equity consumer loans and lines (audience not stated, treated as personal) | $200 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where ACNB Bank operates, and what regulators and customers have on file.
Branch footprint
32 offices in 2 states, $2.6B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 10 | $1.1B | |
| 9 | $772.0M | |
| 4 | $289.5M | |
| 5 | $273.2M | |
| 1 | $66.9M | |
| 2 | $50.7M | |
| 1 | $32.2M |
Gettysburg, PA
60.6% of bank deposits, #1 of 4, down 0.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 29.6% |
| Manufacturers and Traders Trust Company | 5.8% |
| Truist Bank | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Gettysburg, PA, ACNB Bank holds 60.6% of bank deposits, #1 of 4, with 10 offices.
20 offices of 6 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
$1.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 60.6% share, 10 offices, #1 of 4
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
3 offices of 2 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
ACNB CORP (Nasdaq: ACNB)
Consolidated assets
$3.3B
Shareholders' equity
$423.3M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 715579. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows