SHAREHOLDERS’ EQUITY AND REGULATORY CAPITAL (Tables)

9 Months Ended

Sep. 30, 2015

The Company and the Bank’s actual capital ratios as of September 30, 2015, under the new Basel III Capital Rules, and December 31, 2014, under the previous U.S. risk based capital rules, are also presented in the table.



	Actual				Minimum Capital Requirement				Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
September 30, 2015
Total capital to risk weighted assets
Orrstown Financial Services, Inc.	$	134,380	16.3	%	$	65,826	8.0	%	n/a		n/a
Orrstown Bank	130,259		15.9	%	65,758		8.0	%	$	82,197	10.0	%
Tier 1 capital to risk weighted assets
Orrstown Financial Services, Inc.	123,995		15.1	%	49,369		6.0	%	n/a		n/a
Orrstown Bank	119,884		14.6	%	49,318		6.0	%	65,758		8.0	%
CET1 to risk weighted assets
Orrstown Financial Services, Inc.	123,995		15.1	%	37,027		4.5	%	n/a		n/a
Orrstown Bank	119,884		14.6	%	36,989		4.5	%	53,428		6.5	%
Tier 1 capital to average assets
Orrstown Financial Services, Inc.	123,995		9.9	%	50,304		4.0	%	n/a		n/a
Orrstown Bank	119,884		9.5	%	50,342		4.0	%	62,928		5.0	%
December 31, 2014
Total capital to risk weighted assets
Orrstown Financial Services, Inc.	$	119,713	16.8	%	$	56,859	8.0	%	n/a		n/a
Orrstown Bank	118,540		16.7	%	56,835		8.0	%	$	71,043	10.0	%
Tier 1 capital to risk weighted assets
Orrstown Financial Services, Inc.	110,750		15.6	%	28,429		4.0	%	n/a		n/a
Orrstown Bank	109,581		15.4	%	28,417		4.0	%	42,626		6.0	%
Tier 1 capital to average assets
Orrstown Financial Services, Inc.	110,750		9.5	%	46,496		4.0	%	n/a		n/a
Orrstown Bank	109,581		9.4	%	46,518		4.0	%	58,148		5.0	%