Peer Analysis

Performance Ratios (%) ACNB Peer Median Peer Average
ROAA 1.18 0.70 0.63
ROAE 12.05 7.90 6.83
Net Interest Margin 3.73 3.64 3.63
Efficiency Ratio 59.47 70.02 70.22
Loans / Deposits 94.45 89.69 88.12
Asset Quality Ratios (%)
NPAs / Assets 0.48 0.76 0.92
NCOs / Avg Loans 0.12 0.03 0.17
Reserves / Loans 1.05 1.10 1.08
Reserves / NPAs 169.11 81.57 101.30
Capital Ratios (%)
Tier 1 Capital NA 12.20 12.20
Tangible Equity / Tangible Assets 8.75 7.89 8.27
Total Equity / Total Assets 9.98 9.62 9.49
Market Ratios
Price / Earnings (x) 13.96 13.73 16.82
Price / Book (%) 160.74 113.36 115.52
Dividend Yield (%) 2.45 3.03 2.75
Data for trailing four quarters

ACNB Corporation's peer group consists of the following: CB Financial Services, Inc. (CBFV), Chemung Financial Corporation (CHMG), Citizens Financial Services, Inc. (CZFS), Codorus Valley Bancorp, Inc. (CVLY), Franklin Financial Services Corporation (FRAF), Kish Bancorp, Inc. (KISB), Mid Penn Bancorp, Inc. (MPB), Orrstown Financial Services, Inc. (ORRF), Riverview Financial Corporation (RIVE), York Traditions Bank (YRKB)

ACNB Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Codorus Valley Bancorp, Inc.'s financial data is as of 12/31/2018.
Kish Bancorp, Inc.'s financial data is as of 12/31/2018.