Orrstown Bank: how it compares with its peers
Against 13 PA banks with half to twice its assets, Orrstown Bank's strongest measure in Q2 2026 is return on assets (1.69% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($8.7M vs. $9.3M).
| Measure | Orrstown Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.28% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 3.89% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.48% | 56.29% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $9.3M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.02% | 93.74% | Context |
What it means for lending operations
Its efficiency ratio of 52.48% is better than the 56.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Firstrust Savings Bank Conshohocken, PA · $5.62B
- Peoples Security Bank and Trust Company Dunmore, PA · $5.43B
- Mid Penn Bank Millersburg, PA · $7.04B
- ACNB Bank Gettysburg, PA · $3.30B
- First Citizens Community Bank Mansfield, PA · $3.19B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
Questions about Orrstown Bank
How big is Orrstown Bank?
Orrstown Bank, established in 1919, is headquartered in Harrisburg, PA. It reported $5.61B in total assets in its Q2 2026 FDIC call report and operates 43 offices.
What is Orrstown Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.28% median for 13 PA banks with half to twice its assets, ahead of 85% of them.
What is Orrstown Bank's efficiency ratio?
52.48% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 56.29%, and lower is better.
Is Orrstown Bank growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.