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Orrstown Bank
Harrisburg, PA·FDIC Cert #713·Charter: STATE·Est. 19190501.0·HC: ORRSTOWN FINL SERVICES INC
Total Assets
$5.5B
Q4 2025
Return on Assets
1.60%
+0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.44%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.60%+0.01
ROE
14.61%+0.03
Efficiency
53.44%-0.29
Equity/Assets
0.00%+0.00
NPL Ratio
0.73%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.77%+1.08
Charge-offs
0.03%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.2 | 0.5 | 0.7 | 1.4 | 1.5 | 1.6 | 1.6 |
| ROE | 14.0 | 13.4 | 5.6 | 7.5 | 13.5 | 13.9 | 14.6 | 14.6 |
| Efficiency | 61.4 | 61.5 | 72.3 | 69.3 | 56.9 | 55.5 | 53.7 | 53.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.4 | 0.7 | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 83.9 | 85.4 | 84.3 | 83.8 | 82.4 | 85.8 | 86.7 | 87.8 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.5B
Total Loans$4.0B
Total Equity$623.5M
Profitability
ROA1.60%
ROE14.61%
Efficiency Ratio53.44%
Net Income$87.1M
Risk & Asset Quality
NPL Ratio0.73%
Charge-off Rate0.03%
Loan/Deposit87.77%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans