Harrisburg, PA · Cert 713 · Orrstown Finl Services Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 7.1% share · #5 of 25 inst. · $1.4B of $20.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.74% | 1.44% | 1.50% | 1.58% | 1.60% | 1.67% | 1.69% | +19 bps | |
| Return on Equity | 5.59% | 7.53% | 13.52% | 13.89% | 14.58% | 14.61% | 14.78% | 14.99% | +110 bps | |
| Net Interest Margin | 2.65% | 2.96% | 3.74% | 3.80% | 3.82% | 3.77% | 3.65% | 3.70% | -10 bps | |
| Efficiency Ratio | 72.34% | 69.35% | 56.92% | 55.45% | 53.73% | 53.44% | 51.45% | 52.48% | -298 bps | |
| Non-Interest Burden | 1.78% | 1.91% | 1.90% | 1.84% | 1.76% | 1.70% | 1.45% | 1.55% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.12% | 77.63% | 70.97% | 68.46% | -0.01% | 1.84% | 2.48% | 4.16% | -6,431 bps | |
| Loan Growth (YoY) | 75.30% | 70.90% | 68.49% | 67.57% | 0.02% | 2.26% | 4.73% | 4.57% | -6,300 bps | |
| Deposit Growth (YoY) | 82.35% | 80.33% | 71.63% | 66.96% | -2.67% | -2.28% | -0.40% | 2.02% | -6,494 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.63% | 0.60% | 0.60% | 0.67% | 0.72% | 0.75% | 0.60% | -1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.08% | 0.03% | 0.02% | 0.02% | 0.03% | 0.09% | 0.10% | +8 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.23% | 1.22% | 1.21% | 1.18% | 1.17% | 1.13% | -8 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 2.1x | 2.0x | 1.8x | 1.6x | 1.6x | 1.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 9.10% | 9.45% | 9.85% | 9.64% | 9.92% | 10.19% | 9.97% | +12 bps | |
| Total Risk-Based Capital | 12.20% | 12.36% | 13.02% | 13.26% | 12.93% | 13.32% | 13.56% | 13.13% | -13 bps | |
| Equity / Assets | 10.41% | 10.46% | 10.77% | 11.17% | 10.98% | 11.25% | 11.41% | 11.14% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.39% | 84.87% | 83.47% | 86.85% | 87.75% | 88.82% | 87.76% | 89.03% | +218 bps | |
| Liquid Assets / Assets | 3.14% | 3.64% | 4.09% | 1.76% | 2.25% | 1.94% | 2.01% | 1.54% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 457% | 443% | 436% | n/a | n/a | |