Orrstown Bank
Orrstown Bank reported total assets of $5.6 bn at Q2 2026, up 4.2% on a year earlier, the 259th largest of 497 banks in our US coverage. The CET1 capital ratio at Orrstown Bank was 12.11%, and the uninsured share of Orrstown Bank was 29.14%. Source: FDIC Call Reports.
Key takeaways
- Since , Orrstown Bank has taken over 3 institutions; the latest was PeoplesBank, a Codorus Valley Company on (FDIC Call Reports).
- On net interest margin, Orrstown Bank slipped from 86th to 143rd among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Orrstown Bank apart
How large is Orrstown Bank?
The balance sheet of Orrstown Bank at : assets $5.6 bn, deposits $4.6 bn, net loans $4.1 bn (loans equal to 88.02% of deposits). Securities make up 16.9% of total assets at Orrstown Bank. Since , when Orrstown Bank held $1.3 bn, its assets grew 336.1%. In the year to , deposits at Orrstown Bank rose 2.0% while its total assets rose 4.2%. At , Orrstown Bank employed 643 full-time equivalent staff across 43 offices, about $8.7 mn of assets per employee and $107.5 mn of deposits per office.
How much funding at Orrstown Bank is uninsured?
At Orrstown Bank, uninsured deposits (above the FDIC limit) made up 29.14% of domestic deposits at (-0.87 pp on a year earlier); Orrstown Bank ranks 327th of 500 on this measure. In dollars, Orrstown Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.6 bn | +2.0% | 264th of 499 |
| Net loans and leases | $4.1 bn | +4.7% | 255th of 500 |
| Loan-to-deposit ratio | 88.02% | +2.22 pp | 233rd of 500 |
| Tier 1 leverage ratio | 9.97% | +0.12 pp | 302nd of 500 |
| Total risk-based capital ratio | 13.13% | -0.13 pp | 343rd of 448 |
| Net interest margin | 3.99% | -0.13 pp | 143rd of 500 |
| Return on assets (ROA) | 1.69% | +0.19 pp | 99th of 500 |
| Efficiency ratio | 52.48% | -2.98 pp | 177th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.4 mn | Narrowed by $7.0 mn | |
| Noncurrent loans to total loans | 0.60% | -0.01 pp | 242nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | +0.08 pp | 270th of 500 (1 = lowest) |
US rank of Orrstown Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Orrstown Bank: assets, deposits and loans
- Total assets $5.6bn
- Deposits $4.6bn
- Net loans $4.1bn
Capital and securities
The CET1 ratio of Orrstown Bank stood at 12.11% in , 0.00 pp year on year. Low and high at Orrstown Bank since : 11.02% () to 14.10% (). Equity capital of Orrstown Bank at : $625.0 mn, or 11.1% of total assets. Orrstown Bank also reported a total capital ratio of 13.13% for , and a tier 1 leverage ratio of 9.97%.
The available-for-sale portfolio of Orrstown Bank showed an unrealized loss of $24.4 mn at ; the loss narrowed by $7.0 mn over the year.
Orrstown Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 10.0%
Orrstown Bank: unrealized securities gains and losses
- Available for sale -$24mn
- Held to maturity $0
Profitability and loan quality
For the year to , Orrstown Bank earned a return on equity of 14.99%; return on assets: 1.69%. Net interest margin at Orrstown Bank: 3.99%, -0.13 pp in a year. Orrstown Bank net income: $47.1 mn, up 15.8% year on year. The efficiency ratio of Orrstown Bank was 52.48%: about 52 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at Orrstown Bank; net charge-offs: 0.10% of average loans. Gross loans and leases at Orrstown Bank: $4.1 bn, up 4.6% in a year.
Orrstown Bank: profitability
- Return on equity 15%
- Net interest margin 4.0%
- Return on assets 1.7%
Peer group of Orrstown Bank
The peer group of Orrstown Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Orrstown Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Pennsylvania. Against them, Orrstown Bank shows CET1 ratio 12.11% against a peer median of 12.56%, return on equity 14.99% against a peer median of 10.04% and uninsured deposit share 29.14% against a peer median of 32.40%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Independent Bank | State member bank | MI | $5.7 bn | 11.45% | 14.92% | 24.38% | |
| Firstrust Savings Bank | State-chartered stock savings bank | PA | $5.6 bn | 11.80% | 16.05% | 49.66% | |
| The Cape Cod Five Cents Savings Bank | State member bank | MA | $5.6 bn | 18.18% | 7.00% | 16.36% | |
| Orrstown Bank | State member bank | PA | $5.6 bn | 12.11% | 14.99% | 29.14% | |
| Institution for Savings in Newburyport and Its Vicinity | State-chartered stock savings bank | MA | $5.6 bn | 16.21% | 8.46% | 27.90% | |
| First Internet Bank of Indiana | State nonmember bank | IN | $5.5 bn | 10.84% | 4.12% | 36.90% | |
| Great Southern Bank | State nonmember bank | MO | $5.5 bn | 13.32% | 11.61% | 38.24% | |
. FDIC Call Reports.
Last eight quarters
Two years at Orrstown Bank, to : assets +2.6%, deposits -0.9%, equity +9.7%. Staff 668 to 643; offices 46 to 43.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.5 bn | $5.4 bn | $5.4 bn | $5.4 bn | $5.5 bn | $5.5 bn | $5.6 bn | $5.6 bn |
| Total deposits | $4.7 bn | $4.6 bn | $4.7 bn | $4.5 bn | $4.5 bn | $4.5 bn | $4.6 bn | $4.6 bn |
| Bank equity capital | $569.5 mn | $569.3 mn | $586.1 mn | $601.8 mn | $600.5 mn | $623.5 mn | $636.2 mn | $625.0 mn |
| CET1 ratio | 11.02% | 11.22% | 11.86% | 12.11% | 11.80% | 12.20% | 12.52% | 12.11% |
| Return on equity (ROE) | 5.59% | 7.53% | 13.52% | 13.89% | 14.58% | 14.61% | 14.78% | 14.99% |
| Uninsured share of domestic deposits | 23.19% | 27.01% | 30.01% | 30.01% | 30.01% | 30.01% | 30.01% | 29.14% |
| Full-time equivalent employees | 668 | 613 | 613 | 636 | 631 | 640 | 641 | 643 |
| Number of offices | 46 | 44 | 45 | 45 | 45 | 43 | 43 | 43 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Orrstown Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed First Community Bank of Mercersburg (FDIC certificate 7609).
- . Absorbed Hamilton Bank (FDIC certificate 28589).
- . Absorbed PeoplesBank, a Codorus Valley Company (FDIC certificate 13879).
Large one-quarter moves at Orrstown Bank
- Total assets at Orrstown Bank changed by +71.0% in the quarter to 2024-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from PeoplesBank, a Codorus Valley Company.
Questions and identifiers
What were the total assets of Orrstown Bank?
Orrstown Bank reported $5.6 bn at in its Call Report. That makes Orrstown Bank the 259th largest of 497 banks in our US coverage.
Is Orrstown Bank the same as its holding company?
No. This page covers Orrstown Bank, FDIC certificate 713; ORRSTOWN FINL SERVICES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Orrstown Bank profitable?
Orrstown Bank reported net income of $47.1 mn for the year to ; annualized return on equity: 14.99%. So yes: Orrstown Bank made a profit over these months.
When is data for Orrstown Bank next updated?
Figures from Orrstown Bank for are due after .
Where can I check the figures for Orrstown Bank?
In the FDIC BankFind Suite record for certificate 713, and in the Call Reports of Orrstown Bank (RSSD ID 342410) at the FFIEC Central Data Repository.