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SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)
9 Months Ended
Sep. 30, 2020
Equity [Abstract]  
Capital Amounts and Ratios
The following table presents capital amounts and ratios at September 30, 2020 and December 31, 2019:
 ActualFor Capital Adequacy Purposes
(includes applicable capital conservation buffer)
To Be Well
Capitalized Under
Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
September 30, 2020
Total risk-based capital:
Orrstown Financial Services, Inc.$261,779 15.0 %$182,912 10.5 %n/an/a
Orrstown Bank248,781 14.3 %182,848 10.5 %$174,141 10.0 %
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.208,970 12.0 %148,071 8.5 %n/an/a
Orrstown Bank227,847 13.1 %148,019 8.5 %139,312 8.0 %
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.208,970 12.0 %121,941 7.0 %n/an/a
Orrstown Bank227,847 13.1 %121,898 7.0 %113,191 6.5 %
Tier 1 leverage capital:
Orrstown Financial Services, Inc.208,970 7.8 %107,186 4.0 %n/an/a
Orrstown Bank227,847 8.5 %107,216 4.0 %134,020 5.0 %
December 31, 2019
Total risk-based capital:
Orrstown Financial Services, Inc.$244,003 14.1 %$182,028 10.5 %n/an/a
Orrstown Bank231,805 13.4 %181,948 10.5 %$173,284 10.0 %
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.196,451 11.3 %147,356 8.5 %n/an/a
Orrstown Bank216,100 12.5 %147,291 8.5 %138,627 8.0 %
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.196,451 11.3 %121,352 7.0 %n/an/a
Orrstown Bank216,100 12.5 %121,299 7.0 %112,635 6.5 %
Tier 1 leverage capital:
Orrstown Financial Services, Inc.196,451 8.6 %91,782 4.0 %n/an/a
Orrstown Bank216,100 9.4 %91,798 4.0 %114,747 5.0 %