Orrstown Bank is a state-chartered bank (fed member) headquartered in Harrisburg, Pennsylvania, in business for about 107 years. At the end of Q2 2026 it reported $5.6B in total assets and $4.6B in deposits, with 43 offices across 2 states.
Orrstown Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 43rd. Problem-loan coverage contributes the most (92/100, 3.8%); capital cushion contributes the least (50/100, 9.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 58 |
| Q4 2024 | 61 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.50% |
| Q3 2024 | 8.85% |
| Q4 2024 | 9.10% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.85% |
| Q3 2025 | 9.64% |
| Q4 2025 | 9.92% |
| Q1 2026 | 10.19% |
| Q2 2026 | 9.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.74% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $5.6B | 9.97% | 0.60% | 1.69% | 88.0% |
| Q1 2026 | 69 | $5.6B | 10.19% | 0.75% | 1.67% | 86.7% |
| Q4 2025 | 68 | $5.5B | 9.92% | 0.72% | 1.60% | 87.8% |
| Q3 2025 | 68 | $5.5B | 9.64% | 0.67% | 1.58% | 86.7% |
| Q2 2025 | 68 | $5.4B | 9.85% | 0.60% | 1.50% | 85.8% |
| Q1 2025 | 67 | $5.4B | 9.45% | 0.60% | 1.44% | 82.4% |
| Q4 2024 | 61 | $5.4B | 9.10% | 0.63% | 0.74% | 83.8% |
| Q3 2024 | 58 | $5.5B | 8.85% | 0.68% | 0.54% | 84.3% |
| Q2 2024 | 68 | $3.2B | 9.50% | 0.36% | 1.24% | 85.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Firstrust Savings BankBank Conshohocken, PA | 68 out of 100, Moderate | $5.6B | 11.4% | 0.79% | vs |
| Peoples Security Bank and Trust CompanyBank Dunmore, PA | 69 out of 100, Moderate | $5.4B | 10.5% | 0.33% | vs |
| Mid Penn BankBank Millersburg, PA | 69 out of 100, Moderate | $7.0B | 10.4% | 0.51% | vs |
| ACNB BankBank Gettysburg, PA | 77 out of 100, Strong | $3.3B | 11.2% | 0.40% | vs |
| First Citizens Community BankBank Mansfield, PA | 52 out of 100, Below average | $3.2B | 9.6% | 1.70% | vs |
| Citizens & Northern BankBank Wellsboro, PA | 53 out of 100, Below average | $3.1B | 10.0% | 1.70% | vs |
Deposit insurance
Is my money safe at Orrstown Bank?
Yes. Orrstown Bank is an FDIC-insured institution (FDIC certificate #713). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.1% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.13% (benchmark: 10%).
43 locations
Branches
Orrstown Bank lists 38 offices in 27 cities across 2 states. Most locations:
- York, PA (5)
- Lancaster, PA (3)
- Baltimore, MD (2)
- Carlisle, PA (2)
- Chambersburg, PA (2)
- Hanover, PA (2)
- Shippensburg, PA (2)
- Bel Air, MD (1)
- Brogue, PA (1)
- Camp Hill, PA (1)
- Cockeysville, MD (1)
- Ellicott City, MD (1)
HMDA 2025
Mortgage lending
In 2025, Orrstown Bank reported 1,459 home-loan applications under HMDA (LEI 54930060KLIQD8MMSB55): 1,063 originated ($267,305,000 total), 305 denied, and 75 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Orrstown Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 713
- RSSD ID
- 342410
- Primary regulator
- FED
- Holding company
- Orrstown Finl Services Inc
- Established
- May 1, 1919
- Headquarters
- 4750 Lindle Rd, Harrisburg, PA 17111
- Website
- www.orrstown.com
- Employees
- 643
Quick answers
Orrstown Bank: common questions
Is Orrstown Bank FDIC insured?
Yes. Orrstown Bank is an FDIC-insured institution (FDIC certificate #713). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Orrstown Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Orrstown Bank ever failed?
There is no failure record for FDIC certificate #713 in the FDIC failed bank list.
How many branches does Orrstown Bank have?
43 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Harrisburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA | 99 out of 100, Very strong | $5.3M | 21.2% | 0.00% | vs |
| Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA | 90 out of 100, Very strong | $86.9M | 12.3% | 0.07% | vs |
| Glatco Credit UnionCredit union Spring Grove, PA | 90 out of 100, Very strong | $54.1M | 16.2% | 0.79% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| Central Susquehanna Community Federal Credit UnionCredit union Danville, PA | 82 out of 100, Strong | $37.4M | 12.1% | 0.00% | vs |
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |