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Orrstown Bank

Harrisburg, PA · Cert 713 · Orrstown Finl Services Inc.

State charter, Fed member · FED · 42 branches

Q2 2026

$5.6BAssets
$4.1BLoans
$4.6BDeposits
$625.0MEquity
Loan mix
88%RE $3.5B11%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $3.7B20%Noninterest $0.9BQ2 2025Q2 2026

NIM

5.29%Q2 ’245.56%Q2 ’255.35%Q2 ’26+13%-3%

Non-interest income vs. expense

2.61%Q2 ’242.76%Q2 ’252.64%Q2 ’26+5%-16%

Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 7.1% share · #5 of 25 inst. · $1.4B of $20.2B

14.6% York
9.5% Cumberland
18.6% Franklin
1.7% Baltimore

Executive Summary

  • Earnings: ROA of 1.69%, up 19 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.60% of loans (-1 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.97%, up 12 bps from a year ago.
  • Funding: loans stand at 89.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-10 bps YoY

Efficiency Ratio (YTD, annualized)

52.48%-298 bps YoY

Tier 1 Leverage Ratio

9.97%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.58%1.60%1.67%1.69%+19 bps
Return on Equity13.89%14.58%14.61%14.78%14.99%+110 bps
Net Interest Margin3.80%3.82%3.77%3.65%3.70%-10 bps
Efficiency Ratio55.45%53.73%53.44%51.45%52.48%-298 bps
Non-Interest Burden1.84%1.76%1.70%1.45%1.55%-29 bps
Growth
Asset Growth (YoY)68.46%-0.01%1.84%2.48%4.16%-6,431 bps
Loan Growth (YoY)67.57%0.02%2.26%4.73%4.57%-6,300 bps
Deposit Growth (YoY)66.96%-2.67%-2.28%-0.40%2.02%-6,494 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.67%0.72%0.75%0.60%-1 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.09%0.10%+8 bps
Allowance / Loans1.22%1.21%1.18%1.17%1.13%-8 bps
Allowance Coverage of NPLs2.0x1.8x1.6x1.6x1.9x-0.1x
Capital
Tier 1 Leverage Ratio9.85%9.64%9.92%10.19%9.97%+12 bps
Total Risk-Based Capital13.26%12.93%13.32%13.56%13.13%-13 bps
Equity / Assets11.17%10.98%11.25%11.41%11.14%-3 bps
Liquidity & Funding
Loans / Deposits86.85%87.75%88.82%87.76%89.03%+218 bps
Liquid Assets / Assets1.76%2.25%1.94%2.01%1.54%-22 bps
CRE / Total Capitaln/a457%443%436%n/an/a