ACNB Bank vs Citizens Bank
Side-by-side commercial real estate lending comparison, built from FFIEC Call Report filings, county-recorded documents, and first-party lender conversations.
| ACNB BankCommunity Bank · Gettysburg, PA | Citizens BankCommunity Bank · Kilgore, TX | |
|---|---|---|
| Total assets | — | $495.1M |
| CRE loan book | — | $252.0M |
| 8-quarter CRE trend | — | Growing (+24% over 8 qtrs) |
| CRE concentration | — | 510% |
| QoQ CRE growth | — | 4.8% |
| Nonaccrual CRE | — | $101,000 |
| CRE 90+ days past due | — | $0 |
| Published term observations | 1 | 0 |
| Recorded CRE loans (recent) | 3 (pa-berks County) | 13 (oh-stark County) |
Call Report figures as of Q1 2026; each bank shown at its own latest filed quarter.
ACNB Bank vs Citizens Bank: how they compare
County recorded documents show both lenders actively closing commercial loans — 3 recent for ACNB Bank and 13 for Citizens Bank. Citizens Bank shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.
We have first-party term observations on ACNB Bank — notes on what the bank is actually quoting on LTV, DSCR, recourse, and structure, with the date we heard it. These observations live on each lender's profile and are the most current signal of how each bank is underwriting today.
These two banks profile similarly on the headline metrics; the deciding factor for a borrower will be the specific terms each is quoting on the deal at hand — visible in each lender's full profile.
Analysis is derived from quarterly FFIEC Call Report filings and county-recorded documents. Growth figures are net portfolio balance changes, not origination volume. None of this is an offer of credit or a recommendation of either institution.
Sources: FFIEC Call Reports (dollar figures as reported, in thousands), county recorded documents, and first-party lender conversations. Growth figures are net portfolio balance changes, not origination volume. Not an offer of credit or a recommendation of any institution.