Side-by-side · Q2 2026 data
Orrstown Bank vs S&T Bank
Metric by metric
| Measure | Orrstown Bank | S&T Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 50 | 60 (stronger) |
| Loan quality | 80 | 83 (stronger) |
| Earnings | 88 (stronger) | 79 |
| Funding & liquidity | 57 (stronger) | 39 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 58th | 58th |
| Total assets | $5.6B | $9.9B |
| Deposits / shares | $4.6B | $8.1B |
| Capital ratio | 9.97% | 11.02% (stronger) |
| Problem loans | 0.60% | 0.50% (stronger) |
| Net charge-offs | 0.10% | 0.07% (stronger) |
| Return on assets | 1.69% (stronger) | 1.47% |
| Loans ÷ deposits | 88.0% (stronger) | 98.1% |
| Uninsured deposits | 29.1% (stronger) | 35.8% |
| Offices | 38 | 71 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 31.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 3 and S&T Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.