Side-by-side · Q2 2026 data
Orrstown Bank vs Citizens & Northern Bank
Metric by metric
| Measure | Orrstown Bank | Citizens & Northern Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 53 |
| Capital cushion | 50 | 50 |
| Loan quality | 80 (stronger) | 43 |
| Earnings | 88 (stronger) | 58 |
| Funding & liquidity | 57 (stronger) | 53 |
| Problem-loan coverage | 92 (stronger) | 79 |
| Peer percentile | 58th | 11th |
| Total assets | $5.6B | $3.1B |
| Deposits / shares | $4.6B | $2.6B |
| Capital ratio | 9.97% (stronger) | 9.96% |
| Problem loans | 0.60% (stronger) | 1.70% |
| Net charge-offs | 0.10% (stronger) | 0.88% |
| Return on assets | 1.69% (stronger) | 0.96% |
| Loans ÷ deposits | 88.0% (stronger) | 88.9% |
| Uninsured deposits | 29.1% (stronger) | 31.4% |
| Offices | 38 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 12.5% |
Orrstown Bank has the higher TellerScore (70 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 7 and Citizens & Northern Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.