Orrstown Bank
BankRegReports is independent of Orrstown Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Orrstown Bank is an FDIC-insured commercial bank headquartered in Harrisburg, PA, established in 1919 (FDIC certificate 713), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.61B, up 4.2% from Q2 2025, the 14th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.11% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 713
- Headquarters
- Harrisburg, PA
- Established
- 1919
- Total assets, Q2 2026
- $5.61B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 12.11%
- Domestic offices
- 43 FDIC institution directory, current count
- Routing number
- 031315036
- Latest call report
- Q2 2026, FFIEC 041 · Orrstown Bank call report
- Holding company
- ORRSTOWN FINANCIAL SERVICES, INC.
- Asset rank in state
- 14th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Orrstown Bank is the 14th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $5.61B, loans rose 1.3% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.7% of total loans, followed by 1-4 family residential loans at 24.9%. The FDIC Summary of Deposits lists 42 offices for it, in 29 cities across 2 states; its York 5 offices book 14% of its branch deposits. By the capital ratios in its Q2 2026 call report, Orrstown Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 43 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Orrstown Bank's total assets ran between $3.05B (Q3 2023) and $5.61B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.61B total assets against $5.39B; $4.99B total liabilities against $4.79B.
$4.07B net loans and leases against $3.89B; $4.62B total deposits against $4.53B.
$949.0M securities against $885.2M; $144.8M cash and balances due against $149.4M.
$74.7M total interest income against $74.8M; $23.4M total interest expense against $24.0M.
$51.3M net interest income against $50.8M.
$14.4M total noninterest income against $13.2M; $37.3M total noninterest expense against $37.1M.
$338K provision for credit losses against $109K.
$23.8M net income against $21.1M.
1.71% return on assets against 1.56%; 4.00% net interest margin against 4.09%.
12.11% CET1 capital ratio against 12.11%; 9.97% tier 1 leverage ratio against 9.85%.
Inside the full Orrstown Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 256 of 4,196, for total assets; its furthest is 1,663 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.32% (Q3 2024) to 1.74% (Q3 2025) and its net interest margin ran from 3.89% (Q1 2026) to 4.20% (Q3 2024).
| 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
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Orrstown Bank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Orrstown Bank headquartered?
It is headquartered in Harrisburg, PA, United States.
When was Orrstown Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Orrstown Bank FDIC-insured?
Yes. It 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.
What is Orrstown Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Orrstown Bank.
Get an email when Orrstown Bank files its next call report, and benchmark it against any peer you choose.
Unlock Orrstown Bank, freeFree account