FDIC Cert #24829 · Camp Hill, Pennsylvania · Est. 1983

Atlantic Community Bankers Bank - FDIC Bank Health Profile

A community-scale look at Atlantic Community Bankers Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$940M
Total assets
B
Health grade · Good
0.99%
Return on assets
20.6%
Tier 1 capital

Data updated July 2026

The verdict

Atlantic Community Bankers Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 20.60% Tier 1, 0.99% ROA, 70% efficiency ratio.

#1,109
largest of 4,313 FDIC banks by assets
74th
percentile by asset size, nationally
20.60%
Tier 1 ratio - above the 10% well-capitalized line
42nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 24829 · PA B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2172/4307
  • PHOTO-FINISH Bristol County Savin… · MA
  • TIER1-WELL 20.6% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Bristol County Savings Bank, MA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Atlantic Community Bankers Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Atlantic Community B… · PA ·…78/100Bankers' Bank · WI · near78/100Bristol County Savin… · MA ·…78/100Community Commerce B… · CA ·…78/100Watertown Savings Bank · MA …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Atlantic Community Bankers Bank · July 2026

Call Report read for Atlantic Community Bankers Bank in a high-failure state

Atlantic Community Bankers Bank (FDIC Cert #24829) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,172 of 4,307. Tier 1 capital prints at 20.60%, clearing the 10% well-capitalized line. The Texas Ratio is 2.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $940M, 1,109th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bristol County Savings Bank (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Atlantic Community Bankers Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Atlantic Community Bankers Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Atlantic Community Bankers Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How Atlantic Community Bankers Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Atlantic Community Bankers Bank's composite health score
Tier 1 Capital Ratio (20.60%) 40/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (2.05%) 20/20
Efficiency Ratio (70.20%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$940M

Total balance-sheet footings

Total Deposits

$571M

Customer-funded liabilities

Net Loans

$549M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.2% 20.6% 22%
Basel III capital ratios - Atlantic Community Bankers Bank

Where Atlantic Community Bankers Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Atlantic Community Bankers Bank's score of 78/100 falls in the highlighted band.

Atlantic Community Bankers Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 Top 50% higher than 50% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Atlantic Community Bankers Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Atlantic Community Bankers Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Atlantic Community Bankers Bank's $940M falls in the highlighted band.

Capital & credit buffers at Atlantic Community Bankers Bank

Tier 1 capital ratio
Well-capitalized 10%

20.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.60%
Texas Ratio
2.05%
Equity Capital
$147M

What these ratios mean →

Profitability metrics: Atlantic Community Bankers Bank

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
6.58%
Efficiency Ratio
70.20%

What these mean →

Income & expense at Atlantic Community Bankers Bank

$51M
Interest Income
$19M
Non-Interest Income
$33M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Atlantic Community Bankers Bank reports a Texas Ratio of 2.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Atlantic Community Bankers Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($940M here), outside Pennsylvania so the neighborhood is not state containment.

Heartland Bank $940M · NE Lindell Bank & Trust Company $940M · MO Merchants & Marine Bank $940M · MS Watertown Savings Bank $941M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Atlantic Community Bankers Bank (FDIC Cert #24829) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Atlantic Community Bankers Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%