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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Atlantic Community Bankers Bank

Camp Hill, Pennsylvania · $942M in assets · beside the 11 other Pennsylvania banks between $300M and $1B

The filing

72.8%
CRE / loans
12th of 12
104.0%
Loans / deposits
11th of 12
16.2%
Equity / assets
2nd of 12

Atlantic Community Bankers Bank is the second largest of the 12 Pennsylvania banks nearest its size between $300M and $1B, with $942M in assets at 30 June 2026. Loans are 104.0% of deposits, 11th of 12 against a median of 92.2%, and equity is 16.2% of assets, 2nd of 12. Loans grew +3.3% in the year, 10th of 12, and deposits grew 0.5%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 0.53% of the book, 8th of 12 against a median of 0.25%; 0.00% is 30 to 89 days past due, and the allowance covers them 3.0 times. Commercial real estate is 72.8% of loans, the highest in the cohort against a median of 30.4%, and 262% of capital, below the 300% screen, with construction at 22% against the 100% screen.

Return on assets is 1.26%, 6th of 12 against a median of 1.21%, on an efficiency ratio of 73.1%, 9th of 12. Five years ago it was 0.47%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 15.4% of loans).

Commercial real estate, share of loansPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 30.4% C Cfsbank 8.3% PB PS Bank 15.9% IB Infirst Bank 16.4% NT New Tripoli Bank 19.6% PB Pennian Bank 23.0% RS Reliance Savings Bank 23.4% JV Juniata Valley Bank 37.5% HB Harleysville Bank 40.1% FN First Northern Bank & Trust Co. 41.5% FR First Resource Bank 47.7% AB Asian Bank 63.3% AC Atlantic Community Bankers Bank 72.8%
Loans, year over yearPA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.1% AB Asian Bank +16.9% FR First Resource Bank +16.3% JV Juniata Valley Bank +14.4% C Cfsbank +10.2% PB PS Bank +8.5% RS Reliance Savings Bank +6.2% IB Infirst Bank +5.9% FN First Northern Bank & Trust Co. +3.5% NT New Tripoli Bank +3.4% AC Atlantic Community Bankers Bank +3.3% PB Pennian Bank +1.2% HB Harleysville Bank +0.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Atlantic Community Bankers BankRankCohort median
Total CRE against capital, the 300% screen262%9th of 12159%
Construction against capital, the 100% screen22%9th of 1219%
Construction and land development, share of loans6.2%10th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans49.7%11th of 1215.2%
Total CRE, the guidance definition, share of loans72.8%12th of 1230.4%
CRE growth over 36 months, the third prong+27.8%7th of 12+27.6%
Commercial real estate against capital, the 300% screenPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 159% C Cfsbank 48% PB PS Bank 93% RS Reliance Savings Bank 136% IB Infirst Bank 140% NT New Tripoli Bank 142% PB Pennian Bank 150% FN First Northern Bank & Trust Co. 167% AB Asian Bank 251% AC Atlantic Community Bankers Bank 262% JV Juniata Valley Bank 282% HB Harleysville Bank 284% FR First Resource Bank 454%
CRE growth over 36 months, the guidance's third prongPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +27.6% PB Pennian Bank -19.6% FN First Northern Bank & Trust Co. +12.0% NT New Tripoli Bank +13.5% HB Harleysville Bank +16.4% C Cfsbank +17.6% IB Infirst Bank +27.4% AC Atlantic Community Bankers Bank +27.8% RS Reliance Savings Bank +35.1% JV Juniata Valley Bank +48.6% PB PS Bank +54.6% FR First Resource Bank +67.1% AB Asian Bank +76.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Harleysville Bank$964M1.5%49.6%0.14%0.02%0.7%99.1%9.9%
Atlantic Community Bankers Bank$942M1.3%73.1%0.53%-0.02%1.6%104.0%16.2%
First Northern Bank & Trust Co.$921M1.4%59.3%1.16%-0.14%1.6%75.2%14.8%
Juniata Valley Bank$918M1.2%60.2%0.05%0.00%1.2%79.0%6.7%
First Resource Bank$841M1.4%53.2%0.12%0.00%0.8%96.9%8.3%
Cfsbank$773M0.2%90.4%0.24%0.01%0.5%77.4%9.8%
Asian Bank$686M1.3%47.4%1.22%0.05%1.1%117.2%18.5%
Infirst Bank$683M1.0%65.3%0.10%0.00%1.2%98.4%9.2%
PS Bank$675M1.9%49.5%0.10%0.01%1.2%75.1%10.4%
New Tripoli Bank$674M1.1%57.7%0.89%0.00%1.1%87.4%7.9%
Pennian Bank$668M0.4%88.8%1.09%0.01%1.2%77.3%7.4%
Reliance Savings Bank$649M0.3%88.8%0.26%0.01%0.9%98.3%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Atlantic Community Bankers BankCohort median
20212026Change20212026Change
Loans$332M$589M+78%$395M$554M+40%
Deposits$473M$566M+20%$471M$607M+29%
NPA / loans0.05%0.53%+0.48 pts0.45%0.25%-0.20 pts
Efficiency86.3%73.1%-13.2 pts66.3%59.8%-6.5 pts
ROA0.47%1.26%+0.79 pts0.84%1.21%+0.37 pts

This read was prepared for Atlantic Community Bankers Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Atlantic Community Bankers Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $300M to $1B
Institution www.acbb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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