Side-by-side · Q2 2026 data
Orrstown Bank vs First Citizens Community Bank
Metric by metric
| Measure | Orrstown Bank | First Citizens Community Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 52 |
| Capital cushion | 50 (stronger) | 46 |
| Loan quality | 80 (stronger) | 43 |
| Earnings | 88 (stronger) | 77 |
| Funding & liquidity | 57 (stronger) | 26 |
| Problem-loan coverage | 92 (stronger) | 77 |
| Peer percentile | 58th | 9th |
| Total assets | $5.6B | $3.2B |
| Deposits / shares | $4.6B | $2.4B |
| Capital ratio | 9.97% (stronger) | 9.64% |
| Problem loans | 0.60% (stronger) | 1.70% |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 1.43% |
| Loans ÷ deposits | 88.0% (stronger) | 99.1% |
| Uninsured deposits | 29.1% (stronger) | 46.4% |
| Offices | 38 | 43 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 7.8% |
Orrstown Bank has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 6 and First Citizens Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.