What is Orrstown Bank's financial health grade?

Orrstown Bank has a TFS Financial Health Grade of C (score: 75.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Orrstown Bank have?

Orrstown Bank has 47 branch locations across the United States.

Is Orrstown Bank FDIC insured?

Yes, Orrstown Bank is FDIC insured (Certificate #713).

What are the total assets of Orrstown Bank?

Orrstown Bank has total assets of $5.5B as reported in its most recent FDIC filing.

Orrstown Bank

BankHarrisburg, Pennsylvania

www.orrstown.com

Total Assets

$5.5B

Total Deposits

$4.5B

Branches

Established

1919

TFS Health Grade

75.3 / 100

Average financial health

How we grade

Orrstown Bank is a bank headquartered in Harrisburg, Pennsylvania, established in 1919. With $5.5B in total assets and 47 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.92%(8%)

Total Capital Ratio

13.32%(10%)

Non-Performing Loan Ratio

0.72%

Profitability

Return on Assets (ROA)

1.60%(1%)

Return on Equity (ROE)

14.61%(10%)

Net Interest Margin

4.14%

Efficiency Ratio

53.44%(60%)

Lending & Liquidity

Total Loans

$4.0B

Loan-to-Deposit Ratio

87.77%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+1.84%

Deposit Growth (YoY)

-2.28%

Net Income

$87.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Orrstown BankHQ	4750 Lindle Rd	Harrisburg	PA	11
Orrstown Bank	9651 Belair Rd	Baltimore	MD	11
Orrstown Bank	8216 Philadelphia Rd	Baltimore	MD	11
Orrstown Bank	140 N Main St	Bel Air	MD	11
Orrstown Bank	10283 York Rd	Cockeysville	MD	11
Orrstown Bank	4450 Long Gate Parkway	Ellicott City	MD	11
Orrstown Bank	1020 Professional Ct	Hagerstown	MD	11
Orrstown Bank	203 International Cir	Hunt Valley	MD	11
Orrstown Bank	8108 Jumpers Hole Rd	Pasadena	MD	11
Orrstown Bank	2510 Delta Rd	Brogue	PA	11
Orrstown Bank	4075 Market St	Camp Hill	PA	11
Orrstown Bank	427 Village Dr	Carlisle	PA	11
Orrstown Bank	1 Giant Ln	Carlisle	PA	11
Orrstown Bank	1355 Orchard Dr	Chambersburg	PA	11
Orrstown Bank	625 Norland Ave	Chambersburg	PA	11
Orrstown Bank	400 James Buchanan Dr	Elizabethtown	PA	23
Orrstown Bank	308 Carolle St	Greencastle	PA	11
Orrstown Bank	425 Westminster Ave	Hanover	PA	23
Orrstown Bank	1651 Baltimore Pike	Hanover	PA	11
Orrstown Bank	65 Eisenhower Dr	Hanover	PA	11
Orrstown Bank	1 N Main St	Jacobus	PA	11
Orrstown Bank	600 Willow Valley Sq	Lancaster	PA	23
Orrstown Bank	1800 Fruitville Pike	Lancaster	PA	24
Orrstown Bank	2001 Harrisburg Pike	Lancaster	PA	23
Orrstown Bank	566 Lausch Ln	Lancaster	PA	11
Orrstown Bank	500 Olde Hickory Rd	Lancaster	PA	11
Orrstown Bank	101 N Queen St	Lancaster	PA	11
Orrstown Bank	1001 E Oregon Rd	Lititz	PA	23
Orrstown Bank	920 Lititz Pike	Lititz	PA	11
Orrstown Bank	3 Baden Powell Ln	Mechanicsburg	PA	11
Orrstown Bank	12 S Main St	Mercersburg	PA	11
Orrstown Bank	26 E Main St	New Freedom	PA	11
Orrstown Bank	301 W Main St	New Holland	PA	11
Orrstown Bank	15 N 2nd St	Newport	PA	11
Orrstown Bank	625 Robert Fulton Hwy	Quarryville	PA	99
Orrstown Bank	625 Robert Fulton Hwy	Quarryville	PA	23
Orrstown Bank	2587 Cape Horn Rd	Red Lion	PA	11
Orrstown Bank	121 Lurgan Ave	Shippensburg	PA	11
Orrstown Bank	77 E King St	Shippensburg	PA	11
Orrstown Bank	97 Sofia Dr	Shrewsbury	PA	11
Orrstown Bank	2 Ballast Ln	Stewartstown	PA	11
Orrstown Bank	300 Willow Valley Lakes Dr	Willow Street	PA	23
Orrstown Bank	109 Leaders Heights Rd	York	PA	11
Orrstown Bank	2410 Eastern Blvd	York	PA	11
Orrstown Bank	1 Market Way W	York	PA	11
Orrstown Bank	1477 Carlisle Rd	York	PA	11
Orrstown Bank	320 N Main St	York	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.