Orrstown Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Orrstown Bank of Harrisburg, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.46% | +0.25% | 78th top |
| ROAE | 15.10% | 12.71% | +2.39% | 72nd above |
| Net Interest Margin | 4.00% | 3.85% | +0.15% | 68th above |
| Efficiency Ratio | 53.21% | 57.41% | -4.20% | 65th above |
| PPNR / Avg Assets | 2.04% | 1.88% | +0.16% | 71st above |
| Yield on Earning Assets | 5.81% | 5.72% | +0.09% | 66th above |
| Cost of Funds | 1.94% | 2.02% | -0.08% | 55th above |
| Net Interest Spread | 3.46% | 3.18% | +0.28% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.62% | 1.00% | -0.38% | 50th above |
| NPA / Total Assets | 0.47% | 0.76% | -0.29% | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 26th below |
| ACL / Total Loans | 1.13% | 1.31% | -0.18% | 47th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 182.56% | 544.15% | -361.59% | 52nd above |
| Texas Ratio | 4.83% | 7.39% | -2.56% | 51st above |
| Provision / NCO | 50.40% | 620.06% | -569.66% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.11% | 17.35% | -5.24% | 28th below |
| Tier 1 Ratio | 12.11% | 17.38% | -5.27% | 27th below |
| Total Capital Ratio | 13.13% | 18.43% | -5.30% | 25th below |
| Leverage Ratio | 9.97% | 11.44% | -1.47% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.34% | -0.20% | 62nd above |
| TCE / Tangible Assets | 9.47% | 10.50% | -1.03% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.03% | 86.95% | +2.08% | 48th below |
| Core Deposit Ratio | 94.65% | 85.53% | +9.12% | 83rd top |
| Uninsured Deposit Ratio | 29.14% | 33.13% | -3.99% | 57th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.03% | 5.71% | -0.68% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.16% | 9.69% | -5.53% | 43rd below |
| Loan Growth (Y/Y) | 4.57% | 8.06% | -3.49% | 44th below |
| Deposit Growth (Y/Y) | 2.02% | 7.88% | -5.86% | 30th below |
See Orrstown Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Orrstown Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Orrstown Bank profile, how to read a UBPR, or how this data updates.