BlastPoint's Banking Scorecard
Orrstown Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 713
Harrisburg, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Orrstown Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10% in Mid-Market
- - Deposit Outflow: Bottom 41% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
+1.8% YoY
+1.3% QoQ
|
-$4.9B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$4.0B
+2.3% YoY
+1.1% QoQ
|
-$3.2B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$4.5B
-2.3% YoY
-0.2% QoQ
|
-$4.0B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.60%
+114.3% YoY
+0.9% QoQ
|
+0.43% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.14%
-3.5% YoY
-0.5% QoQ
|
+0.75% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
53.44%
-22.9% YoY
-0.5% QoQ
|
-3.17% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.73%
+14.8% YoY
+7.8% QoQ
|
+0.05% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
87.77%
+4.7% YoY
+1.2% QoQ
|
+2.30% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
19.28%
-2.1% YoY
-3.5% QoQ
|
-1.36% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.52%
+6.5% YoY
+7.5% QoQ
|
+0.03% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
12.20%
+8.8% YoY
+3.4% QoQ
|
-1.35% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.97%
+40.0% YoY
+36.4% QoQ
|
+0.01% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#2 of 51 · Top 2% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (2)
Credit Risk Growth
risk
#10 of 87 · Bottom 10% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Deposit Outflow
decline
#14 of 33 · Bottom 41% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.40%
80
80th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
75
75th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.96%
65
65th pctile
Efficiency Ratio
Current: 53.44% · Tier avg: 56.60%
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.77% · Tier avg: 85.47%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.28% · Tier avg: 20.64%
39
39th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 13.55%
15
15th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
10
10th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
9
9th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
Top Weaknesses
9
9th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
10
10th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
15
15th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
36
36th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 13.55%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.68%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.28% · Tier avg: 20.64%
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.77% · Tier avg: 85.47%
65
65th pctile
Efficiency Ratio
Current: 53.44% · Tier avg: 56.60%
75
75th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.96%
80
80th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
83
83th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.40%