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Orrstown Bank
Harrisburg, PA · FDIC Certificate #713 · Chartered 05/0
Total assets
$5.61B
Total deposits
$4.62B
Total equity
$624.95M
Net loans
$4.07B
Branches (offices)
42
Net income (YTD)
$47.09M
Rank: #262 of 4,213 U.S. banks by assets · #14 of 109 in Pennsylvania. Assets changed 4.2% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 14.99% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 11.14% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 29.1% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 87.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.57B | 87.7% | |
| Commercial & industrial | $454.89M | 11.2% | |
| Consumer / individual | $16.78M | 0.4% | |
| Construction & development | $239.59M | 5.9% | |
| Agricultural | $7.80M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.82B | $2.49B | $19.11M | $265.87M |
| Jun 2023 | $3.01B | $2.54B | $20.90M | $265.90M |
| Jun 2024 | $3.20B | $2.71B | $19.56M | $299.17M |
| Jun 2025 | $5.39B | $4.53B | $40.68M | $601.80M |
| Jun 2026 | $5.61B | $4.62B | $47.09M | $624.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $3.87B | 34 |
| Maryland | $757.21M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.62B.
Similar-sized banks
The Cape Cod Five Cents Savings Bank ($5.62B) · Institution For Savings In Newburyport And Its Vicinity ($5.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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