Orrstown Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 29.31 percentage points in Q2 2026, from 153.25% to 182.56%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Orrstown Bank is 14th of 109 on return on assets, 1.71% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Orrstown Bank sits 0.43 points higher, at 1.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.13% |
| Tier 1 leverage ratio | 9.97% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 4.83% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 182.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 15.10% |
| Net interest margin | 4.00% |
| Efficiency ratio | 53.21% |
| Yield on earning assets | 5.81% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.03% |
| Core deposits to total deposits | 94.65% |
| Brokered deposits to total deposits | 2.11% |
| Deposits to assets | 82.40% |
| Securities to assets | 16.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.41% | 11.41% | 12.53% | 9.34% | 1.28% |
| Q4 2023 | 11.62% | 11.62% | 12.76% | 9.51% | 1.17% |
| Q1 2024 | 11.94% | 11.94% | 13.12% | 9.61% | 1.28% |
| Q2 2024 | 11.96% | 11.96% | 13.14% | 9.50% | 1.17% |
| Q3 2024 | 11.02% | 11.02% | 12.20% | 8.85% | -0.32% |
| Q4 2024 | 11.22% | 11.22% | 12.36% | 9.10% | 1.11% |
| Q1 2025 | 11.86% | 11.86% | 13.02% | 9.45% | 1.43% |
| Q2 2025 | 12.11% | 12.11% | 13.26% | 9.85% | 1.56% |
| Q3 2025 | 11.80% | 11.80% | 12.93% | 9.64% | 1.74% |
| Q4 2025 | 12.20% | 12.20% | 13.32% | 9.92% | 1.64% |
| Q1 2026 | 12.52% | 12.52% | 13.56% | 10.19% | 1.67% |
| Q2 2026 | 12.11% | 12.11% | 13.13% | 9.97% | 1.71% |
Orrstown Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Orrstown Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)