| Metric | Orrstown Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +2.0% | +5.1% | -3.0 pts |
| Loan growth (YoY) | +4.7% | +5.9% | -1.3 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.61B | $4.62B | $4.07B | $625.0M | $47.1M | 1.69% | 3.99% | 0.46% |
| Q1 2026 | $5.58B | $4.63B | $4.02B | $636.2M | $23.3M | 1.68% | 3.95% | 0.57% |
| Q4 2025 | $5.54B | $4.53B | $3.98B | $623.5M | $87.1M | 1.60% | 4.14% | 0.52% |
| Q3 2025 | $5.47B | $4.54B | $3.94B | $600.5M | $64.5M | 1.58% | 4.16% | 0.49% |
| Q2 2025 | $5.39B | $4.53B | $3.89B | $601.8M | $40.7M | 1.50% | 4.12% | 0.44% |
| Q1 2025 | $5.44B | $4.65B | $3.83B | $586.1M | $19.5M | 1.44% | 4.07% | 0.43% |
| Q4 2024 | $5.44B | $4.64B | $3.89B | $569.3M | $30.3M | 0.74% | 4.29% | 0.49% |
| Q3 2024 | $5.47B | $4.67B | $3.94B | $569.5M | $15.2M | 0.54% | 4.20% | 0.54% |
Loan mix (Q2 2026): real estate $3.57B · commercial $454.9M · consumer $16.8M · securities $949.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 59.0% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Orrstown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
45 branches in 11 counties across 2 states (+24 vs 2024) · $4.53B branch deposits. Biggest market: York, PA, ranked 3rd with 11.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| York, PA | 14 | $1.39B | 11.34% | 3rd |
| Cumberland, PA | 5 | $1.04B | 7.09% | 4th |
| Franklin, PA | 5 | $671.5M | 13.99% | 4th |
| 8 more counties with Pro → | ||||
Pennsylvania: 29th with 0.60% · Maryland: 34th with 0.32% · York-Hanover metro: 3rd, 11.34% · Harrisburg-Carlisle metro: 7th, 5.00% ·
Branch count: 2022 26 · 2023 21 · 2024 21 · 2025 45