Orrstown Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Orrstown Bank leans heavily on commercial real estate. Based in Harrisburg, Pennsylvania, it had $5.6 billion in assets at June 30, 2026, up 4.2% from a year earlier. It holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it earns about $1.71 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Net income for the quarter rose 13% from a year earlier, to $24 million.
As of June 30, 2026, Orrstown Bank reported a CET1 capital ratio of 12.11%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 4.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4750 Lindle Rd, Harrisburg, PA 17111
- County
- Dauphin
- Metro Area
- Harrisburg-Carlisle, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 1, 1919
- Offices
- 43 domestic
- Employees (FTE)
- 643
- Domestic deposits
- $4.62B
- Allowance for credit losses
- $46.6M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $5.57B
- Average total loans
- $4.08B
- Average interest-bearing deposits
- $3.73B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 713
- Fed RSSD
- 342410
- SEC CIK
- 826154 → filed by ORRSTOWN FINANCIAL SERVICES, INC.
- Website
- www.orrstown.com →
- Parent Holding Company
- ORRSTOWN FINANCIAL SERVICES, INC. (RSSD 1248153) · ORRF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas R Quinn Jr | CEO | President & CEO |
| Neelesh Kalani | CFO | EVP, Chief Financial Officer |
| Adam L Metz | COO | SEVP, Chief Operating Officer |
| David Chajkowski | CCO | EVP, Chief Credit Officer |
| Christopher Orr | CIO | EVP Chief Information Officer |
| Robert G Coradi | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Orrstown Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Orrstown Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Orrstown Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.11% | 1.71% | 0.60% | 4.52% | 4.00% |
| Q1 2026 | 12.52% | 1.67% | 0.75% | 5.45% | 3.89% |
| Q4 2025 | 12.20% | 1.64% | 0.72% | 5.16% | 4.03% |
| Q3 2025 | 11.80% | 1.74% | 0.67% | 4.96% | 4.18% |
| Q2 2025 | 12.11% | 1.56% | 0.60% | 4.42% | 4.09% |
| Q1 2025 | 11.86% | 1.43% | 0.60% | 4.47% | 3.99% |
| Q4 2024 | 11.22% | 1.11% | 0.63% | 5.34% | 4.12% |
| Q3 2024 | 11.02% | -0.32% | 0.68% | 5.84% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Camp Hill Branch | Camp Hill , PA | 17011 | $371.1M |
| Leader Heights Road Branch | York , PA | 17403 | $270.0M |
| Orrstown Bank (main office) | Harrisburg , PA | 17111 | $267.0M |
| Cockeysville Branch | Cockeysville , MD | 21030 | $219.8M |
| Stonehedge Branch | Carlisle , PA | 17015 | $199.9M |
| Seven Gables Branch | Carlisle , PA | 17013 | $173.7M |
| East King Street Branch | Shippensburg , PA | 17257 | $171.5M |
| Lurgan Branch | Shippensburg , PA | 17257 | $157.9M |
| York New Salem Branch | York , PA | 17408 | $144.7M |
| Silver Spring Branch | Mechanicsburg , PA | 17050 | $143.8M |
| Orchard Drive Branch | Chambersburg , PA | 17201 | $140.9M |
| Manheim Pike Branch | Lancaster , PA | 17601 | $140.8M |
| Norland Avenue Branch | Chambersburg , PA | 17201 | $140.2M |
| Cape Horn Branch | Red Lion , PA | 17356 | $129.0M |
| North Hanover Branch | Hanover , PA | 17331 | $124.7M |
| Mercersburg Branch | Mercersburg , PA | 17236 | $120.4M |
| West York Branch | York , PA | 17408 | $112.8M |
| Newport Branch | Newport , PA | 17074 | $110.3M |
| East York Branch | York , PA | 17402 | $109.8M |
| Jacobus Branch | Jacobus , PA | 17407 | $99.6M |
| Hunt Valley Branch | Hunt Valley , MD | 21030 | $93.4M |
| Greencastle Branch | Greencastle , PA | 17225 | $92.9M |
| Stewartstown Branch | Stewartstown , PA | 17363 | $90.5M |
| Olde Hickory Branch | Lancaster , PA | 17601 | $85.0M |
| South Hanover Branch | Hanover , PA | 17331 | $84.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired PeoplesBank, a Codorus Valley Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired Hamilton Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2018 | Structure Change | Acquired First Community Bank of Mercersburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2007 | Structure Change | Acquired The First National Bank of Newport Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Orrstown Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 5 against individuals associated with it
- April 24, 2007, Federal Reserve: Civil Money Penalty $1,665: Orrstown Bank, Shippensburg, PA
- Period: Most recent institution action April 24, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in PA, rank 27 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,492 applications, 1,063 loans originated, $267.3M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $632K approved, $316K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Orrstown Bank
What are Orrstown Bank's total assets?
As of the Q2 2026 filing, Orrstown Bank reported total assets of $5.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Orrstown Bank headquartered?
Orrstown Bank is headquartered in Harrisburg, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Orrstown Bank founded?
Orrstown Bank was established in 1919, per the FDIC institution directory.
Is Orrstown Bank FDIC-insured?
Yes. Orrstown Bank is an FDIC-insured commercial bank (FDIC Certificate #713). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Orrstown Bank?
Orrstown Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Orrstown Bank's CET1 capital ratio?
Orrstown Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does Orrstown Bank operate?
Orrstown Bank operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Orrstown Bank's Texas Ratio?
Orrstown Bank's Texas Ratio is 4.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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