Orrstown Bank (FDIC #713): Bank Stress & Real-Estate Credit Exposure
Orrstown Bank (FDIC Cert #713): bank stress 53/100, moderate, STABLE over 7 days; parent ORRSTOWN FINL SERVICES INC.
Orrstown Bank (#713) lends in 11 counties across 2 states; Orrstown Bank (#713) reaches 354 ZIP codes: Pennsylvania 6 counties, 197 ZIPs; Maryland 5 counties, 157 ZIPs.
Orrstown Bank (#713) largest markets: Lancaster County, PA (488 branches, 61 ZIPs) (#713), Baltimore County, MD (228 branches, 57 ZIPs) (#713), York County, PA (658 branches, 47 ZIPs) (#713), Anne Arundel County, MD (42 branches, 42 ZIPs) (#713), Franklin County, PA (155 branches, 31 ZIPs) (#713), Dauphin County, PA (31 branches, 31 ZIPs) (#713).
Orrstown Bank (#713) reports $5.61 billion in total assets; Orrstown Bank (#713) equity $625.0 million (11.1% of Orrstown Bank (#713) assets); Orrstown Bank (#713) domestic deposits $4.62 billion; Orrstown Bank (#713) net income $47.1 million; Orrstown Bank (#713) return on assets 1.69%; Orrstown Bank (#713) return on equity 14.99%; Orrstown Bank (#713) net interest income $101.2 million; Orrstown Bank (#713) call report June 30, 2026.
Orrstown Bank (#713) noncurrent real-estate loans 0.04% of its book; Orrstown Bank (#713) net charge-offs on real estate 0.60%; Orrstown Bank (#713) multifamily charge-offs 0.06%; Orrstown Bank (#713) residential charge-offs 0.15%.
Orrstown Bank (#713) net interest margin 3.99% against an eight-quarter Orrstown Bank (#713) average of 4.12% (Orrstown Bank (#713) compression 0.12 points); Orrstown Bank (#713) real-estate loans 4.4% of equity; Orrstown Bank (#713) non-residential real estate 15.3% of equity; Orrstown Bank (#713) rate-exposure score 40/100, Orrstown Bank (#713) fixed-rate trap 40/100; Orrstown Bank (#713) risk type credit driven; Orrstown Bank (#713) rate regime rates elevated, Orrstown Bank (#713) snapshot October 19, 2026.
Orrstown Bank (#713) stress score moved from 50.7 on June 22, 2026 to 52.8 on October 19, 2026; Orrstown Bank (#713) ranged 50.7 to 52.8 over 116 snapshots.
Orrstown Bank (#713) alerts: 10 counties; top Orrstown Bank (#713) alert scores: York County, PA 29 (low); Bel Air County, PA 20 (low); Ellicott City County, PA 20 (low); Hagerstown County, PA 20 (low); Harrisburg County, PA 20 (low).