SHAREHOLDERS’ EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2016

The Company and the Bank’s actual capital ratios as of March 31, 2016 and December 31, 2015, 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
March 31, 2016
Total capital to risk weighted assets
Orrstown Financial Services, Inc.	$	137,389	15.7	%	$	70,181	8.0	%	n/a		n/a
Orrstown Bank	121,703		13.9	%	70,133		8.0	%	$	87,666	10.0	%
Tier 1 capital to risk weighted assets
Orrstown Financial Services, Inc.	126,352		14.4	%	52,636		6.0	%	n/a		n/a
Orrstown Bank	110,673		12.6	%	52,599		6.0	%	70,133		8.0	%
CET1 to risk weighted assets
Orrstown Financial Services, Inc.	126,352		14.4	%	39,477		4.5	%	n/a		n/a
Orrstown Bank	110,673		12.6	%	39,450		4.5	%	56,983		6.5	%
Tier 1 capital to average assets
Orrstown Financial Services, Inc.	126,352		9.8	%	51,579		4.0	%	n/a		n/a
Orrstown Bank	110,673		8.6	%	51,609		4.0	%	64,511		5.0	%
December 31, 2015
Total capital to risk weighted assets
Orrstown Financial Services, Inc.	$	134,562	15.8	%	$	68,078	8.0	%	n/a		n/a
Orrstown Bank	118,671		14.0	%	68,027		8.0	%	$	85,034	10.0	%
Tier 1 capital to risk weighted assets
Orrstown Financial Services, Inc.	123,825		14.6	%	51,058		6.0	%	n/a		n/a
Orrstown Bank	107,942		12.7	%	51,021		6.0	%	68,027		8.0	%
CET1 to risk weighted assets
Orrstown Financial Services, Inc.	123,825		14.6	%	38,294		4.5	%	n/a		n/a
Orrstown Bank	107,942		12.7	%	38,265		4.5	%	55,272		6.5	%
Tier 1 capital to average assets
Orrstown Financial Services, Inc.	123,825		9.8	%	50,684		4.0	%	n/a		n/a
Orrstown Bank	107,942		8.5	%	50,695		4.0	%	63,368		5.0	%