# ORRSTOWN BANK
HARRISBURG, PA · FDIC certificate 713 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.61B | |
| Deposits | $4.62B | |
| Loans and leases | $4.12B | |
| Total equity | $625.0M | |
| Loans / deposits | 88.02% (p52 of band) | 87.10% |
| Liquid assets / assets | 19.49% (p43 of band) | |
| Uninsured deposits / deposits | 29.14% (p45 of band) | 30.76% |
| Brokered deposits | 1.73% | |
| Wholesale funding | 6.77% (p54 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 9.97% (p36 of band) | 10.50% |
| Unrealized securities loss / equity | -3.91% (p69 of band) | -7.75% |
| AOCI / equity | -0.42% (p40 of band) | |
| ROA (annualized) | 1.69% (p78 of band) | 1.26% |
| Net interest margin | 3.99% (p67 of band) | 3.70% |
| Efficiency ratio | 52.48% (p30 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p71 of band) | |
| Reserve coverage of noncurrent | 189.53% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 38.34% (p40 of band) | |
| Auto loans | $2.6M (0.06% of loans; DQ 0.39%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (0% of equity) (p73 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 643 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 3 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2011-12 | 5 | wholesale funding >15%, noncurrent p90 |  |
| 2012-03 | 6 | capital falling |  |
| 2012-06 | 9 | brokered >10%, leverage <7%, deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-09 | 8 | noncurrent p90 | wholesale funding >15%, brokered >10% |
| 2012-12 | 6 | uninsured deposits leaving | reserve under noncurrent, capital falling, noncurrent p90 |
| 2013-03 | 3 |  | losing money, charge-offs p90, leverage <7% |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2014-06 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 0 |  | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2014-12 | 2 | expense ratio p90, deposits shrinking |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | wholesale funding >15% | deposits shrinking |
| 2015-09 | 4 | capital falling, noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2015-12 | 5 | wholesale funding >15% |  |
| 2016-03 | 2 |  | capital falling, noncurrent p90, wholesale funding >15% |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | wholesale funding >15% |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 0 |  | expense ratio p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-04 [Orrstown Bank:The Client is our Heart - I95 Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxNXzJNUVBpS3REbTBidHZiMHRYbzcwcjUwYXlDbW9xSERCRDIyYmlCS2d2MzBhVm43OFk0ZzRNeGJyY2VFekg1aGRfTjNVSDNzZlB2TGMwN1VjVkZNNWxPNEg3aUlVTDJKRWdPNmdKVXFNZ1NBZlVLZWwySEZyQ1JuT0NUb0Yya0JlSXc?oc=5) · I95 Business
- 2026-06-10 [Orrstown's new CEO says bank is in a position of strength - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOLXNhS19VTm9wR0g1eXV4dWJ6dXhWcmlZZ1c4c3QwbXppQ1h2eEZTNVdIS0RaMmRpOVoxSkNHNkJHd25UV0dCczVGMFZzS0hPUWVtSWo5ZjFZdllzLWM3OWcwZTRhdVgwMGpjdlFhbzZES2pRZXlkRU1vM2hoWU45Wk03SEhWYXhZSXNtckViT0V0azJvN1F3?oc=5) · American Banker
- 2026-06-02 [Adam L. Metz Named President and Chief Executive Officer at Orrstown Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeEVST1h0Zlp2V05XXzJJcUdRSFlvbG9scm9LRXkydmpwRzB1RkFyekxKR28wZWNka180WFREdEtBOFFKWW55a0ljN2JQeWF1SXl1SDE0SkFmYXJLZC05OUlySGlWRk90eExMWGczNG1GS0ZCeGdHMGpkc0dLS3Nsc0Nja0J5RDF6YW13U2VPTHJJRXdrbVJR?oc=5) · Yahoo Finance
- 2026-04-02 [Orrstown Financial Services, Inc. Ranked #1 in Pennsylvania and #12 Nationally in the S&P Global Market Intelligence 2025 Ranking of Top 50 Best-Performing Community Banks - GlobeNewswire](https://news.google.com/rss/articles/CBMi4AJBVV95cUxQQXJfNUdoclZhY281NG9xNmF6V0ZsQ1lndWd5SXlFSUM1aXF0Wm1vSFNYbXRIMWd4SWZ2RWtvMFJRSUpWVW5hZGJhQldISDUxMlJ2NUNkVU13NV9zWkN0Sy1BSXBlX3FBQ1o0bWJhckpxNHYzX0VteFRqLWxwRDlZUmRrYVFqQ0dOZUtfeHF2VXo2V0Jaa0lxTkxtMENEVEIwLTdtc0w5SXF5X1B6ZC1LZzJibW84MHEzUWN6NW9jV211bjlMdFpndzZpNlB3VjlYTDBNVVFKVHp5WFVIcDJWcjNpRjB1alJ1ZkJaMXBRQ2ZtcDVzVTU1NllaU3czdm9lU0NxTEJ1WUNTcEF2VUZqckZURjVjY0RnWDR3b0picW1jbUg0Y0t1VlRvZ29MUGREdXpTcnBPZUFIeHBIYzRxS3NPQWdJblFiS2FXeDhhU0xnWVY0RE5ZQU9OWUt1MnFi?oc=5) · GlobeNewswire
- 2026-06-02 [New president, CEO named for Orrstown Bank - Central Penn Business Journal](https://news.google.com/rss/articles/CBMicEFVX3lxTE1TVk5UcVNJdEpEdDFWQU1NSHJDQUZZSVdZeDhNWGx1M0pIWXEyVnVVOXpFVUE5YTdJZ2ZWWkhaYkRLeUI0VkJGSkZ6Yk1uc2lRb3hudkVFM0VmVndzbFJ1VjZOU0ViNWtnUjVpNlpBclQ?oc=5) · Central Penn Business Journal
- 2026-06-17 [Orrstown Bank Uses Community Banking to Fuel Growth - I95 Business](https://news.google.com/rss/articles/CBMingFBVV95cUxOcHowMkhGdzk1Zjd3OFRtU1paa0EwVkpfcmo3T1pGSVYyTHVtdVVIMGVLZzdTRFBBcm9HSmNPZ3NlRmMtNVl6Z3lDOHUxNmVuS0lIeEFyVUJmTTVaVERUWEFWb2MzbTdOcFFWbF9zOXNsLThjNGl5QWZsQmsxYjBhR2IzUjZhdjZRZ25NaWd1Skg0YmpVTGpaX0Ric3dHQQ?oc=5) · I95 Business
- 2026-01-12 [Orrstown Financial Advisors opening new Central Pa. office - Central Penn Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWUM1M0lSeTQxcktBcmhfelpScFNldEFIZ3NOQlVNNFlZcVg4UGpYNzhEbnh3N3NjTmhPWlhzdDB4cnZJR2VyRHdteTRtVnRLUkpjWGIyYUkwdjRBaWtQTV96eTVUN1k1S0s3OG9DMExuR3lQVmtRRUthbGV4RXRVYndvdXRkQQ?oc=5) · Central Penn Business Journal
- 2026-03-25 [Orrstown Bank, a Community Cornerstone - I95 Business](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNVUxlQlVYSVEtT3pUbjd2bW9qRm9jZV85UUxQZXZIN0RqeW12YXNYQzFuSEYzOVYzWnlSTGFMMFh4dk9CWGxqM0p1elJtSlN0RU9zcmlsUWpQVGg1TWtyc0tMVmhBVWM5bncwamE2TTRkUU9qc2tsOVRYS0xkWWZWQllVa1kzdTB3a3JF?oc=5) · I95 Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=713 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "713", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide