Orrstown Bank
Harrisburg, PA · Cert 713 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Orrstown Finl Services Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
$5.6BAssets
$4.1BLoans
$4.6BDeposits
$625.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 87% of banks $1B-$10B in assets operating regionally (rank 23 of 176).
- Widest gap: total risk-based capital ratio trails 57% of banks $1B-$10B in assets operating regionally (rank 100 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.68%
Rank 23 of 176
Net Interest Margin
3.70%
Rank 74 of 176
Efficiency Ratio
55.84%
Rank 65 of 176
Equity / Assets
11.14%
Rank 63 of 176
Non-interest income vs. expense
Unfavorable gap of $86.3M · efficiency ratio beats 64% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.93% | 1.26% | 1.54% | Beats 87% | 23 / 176 | |
| Return on Equity | 15.07% | 9.26% | 11.89% | 14.46% | Beats 80% | 36 / 176 | |
| Net Interest Margin | 3.70% | 3.25% | 3.59% | 3.93% | Beats 58% | 74 / 176 | |
| Efficiency Ratio | 55.84% | 52.79% | 59.55% | 67.66% | Beats 64% | 65 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.30% | 0.64% | 1.32% | Beats 52% | 85 / 176 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 43% | 101 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 12.11% | 11.15% | 12.72% | 14.15% | Beats 43% | 100 / 176 | |
| Total Risk-Based Capital Ratio | 13.13% | 11.81% | 13.63% | 15.33% | Beats 43% | 100 / 176 | |
| Equity / Assets | 11.14% | 9.16% | 10.35% | 11.80% | Beats 64% | 63 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 89.03% | 80.94% | 89.73% | 97.21% | 47th pctl | 94 / 176 | |
| Loans / Assets | 73.36% | 69.25% | 75.12% | 80.82% | 42nd pctl | 102 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |