Orrstown Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 9.6% in Q2 2026, from -$19.7M to -$17.8M. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Orrstown Bank is 57th of 72 on CET1 ratio, 12.11% as of Q2 2026, below the middle of the field. Orrstown Bank reported 12.11% on CET1 ratio for Q2 2026, 1.37 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 9.97% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $545.9M |
| Tier 1 capital | $545.9M |
| Total risk-based capital | $591.9M |
| Total equity capital | $625.0M |
| Risk-weighted assets | $4.51B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.14% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | -8.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $564K |
| Common stock surplus | $422.5M |
| Retained earnings | $219.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.41% | 11.41% | 12.53% | 9.34% | $2.51B |
| Q4 2023 | 11.62% | 11.62% | 12.76% | 9.51% | $2.51B |
| Q1 2024 | 11.94% | 11.94% | 13.12% | 9.61% | $2.50B |
| Q2 2024 | 11.96% | 11.96% | 13.14% | 9.50% | $2.56B |
| Q3 2024 | 11.02% | 11.02% | 12.20% | 8.85% | $4.34B |
| Q4 2024 | 11.22% | 11.22% | 12.36% | 9.10% | $4.37B |
| Q1 2025 | 11.86% | 11.86% | 13.02% | 9.45% | $4.27B |
| Q2 2025 | 12.11% | 12.11% | 13.26% | 9.85% | $4.32B |
| Q3 2025 | 11.80% | 11.80% | 12.93% | 9.64% | $4.38B |
| Q4 2025 | 12.20% | 12.20% | 13.32% | 9.92% | $4.42B |
| Q1 2026 | 12.52% | 12.52% | 13.56% | 10.19% | $4.45B |
| Q2 2026 | 12.11% | 12.11% | 13.13% | 9.97% | $4.51B |
Orrstown Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Orrstown Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Orrstown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 713) · FFIEC NIC profile (RSSD 342410)