Orrstown Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.13 percentage points higher than in Q1 2026, at 312.77%. Within Pennsylvania, Orrstown Bank is 48th of 109 on loan-to-deposit ratio, 89.03% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Orrstown Bank reported 89.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.12B |
| Net loans and leases | $4.07B |
| Loans held for sale | $3.6M |
| Loans to total assets | 73.36% |
| Loan-to-deposit ratio | 89.03% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.22% |
| Multifamily (5+ residential) | 5.58% |
| Commercial and industrial | 11.05% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 2.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 312.77% |
| Construction concentration (Tier 1 capital + allowance) | 40.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $63.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.27B | $2.56B | 44.29% | 13.83% | 0.45% |
| Q4 2023 | $2.30B | $2.57B | 46.40% | 13.29% | 0.42% |
| Q1 2024 | $2.30B | $2.71B | 46.54% | 13.38% | 0.38% |
| Q2 2024 | $2.35B | $2.71B | 46.04% | 13.49% | 0.37% |
| Q3 2024 | $3.98B | $4.67B | 44.87% | 10.92% | 0.45% |
| Q4 2024 | $3.94B | $4.64B | 45.56% | 10.63% | 0.46% |
| Q1 2025 | $3.88B | $4.65B | 45.74% | 10.77% | 0.40% |
| Q2 2025 | $3.94B | $4.53B | 46.39% | 11.10% | 0.42% |
| Q3 2025 | $3.99B | $4.54B | 47.29% | 11.07% | 0.41% |
| Q4 2025 | $4.03B | $4.53B | 47.32% | 11.31% | 0.44% |
| Q1 2026 | $4.06B | $4.63B | 48.41% | 10.98% | 0.41% |
| Q2 2026 | $4.12B | $4.62B | 48.22% | 11.05% | 0.41% |
Orrstown Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Orrstown Bank, freeSource: Call Report Schedule RC-C, 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)