ORRSTOWN BANK

HARRISBURG, PA | Large | Est. May 1, 1919, midnight | FDIC #713 | RSSD #342410 | FED
Latest Report: 2025-12-31

ORRSTOWN BANK is aln large FDIC-insured commercial bank headquartered in HARRISBURG, PA, established in May 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $5.5B and total deposits of $4.5B. Profitability stands at 1.64% ROA and 14.79% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 12.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.70% and a Texas Ratio of 4.18%. FDIC Certificate #713.

Assets

$5.5B

Deposits

$4.5B

Loans

$4.0B

Equity

$623M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 14.79%
Net Interest Margin (NIM) 4.04%
Yield on Assets 6.02%
Cost of Funds 3.63%

Asset Quality

NPL Ratio 0.70%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.18%
NPA Ratio 0.51%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 12.20%
Tier 1 Capital 12.20%
Total Capital Ratio 13.32%
Leverage Ratio 9.92%
Loan-to-Deposit 88.82%

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