SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2021

The following table presents capital amounts and ratios at March 31, 2021 and December 31, 2020:


	Actual				For Capital Adequacy Purposes (includes applicable capital conservation buffer)				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2021
Total risk-based capital:
Orrstown Financial Services, Inc.	$	278,659	16.2	%	$	180,271	10.5	%	n/a		n/a
Orrstown Bank	262,786		15.3	%	180,193		10.5	%	$	171,613	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	225,960		13.2	%	145,933		8.5	%	n/a		n/a
Orrstown Bank	242,005		14.1	%	145,871		8.5	%	137,290		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	225,960		13.2	%	120,180		7.0	%	n/a		n/a
Orrstown Bank	242,005		14.1	%	120,129		7.0	%	111,548		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	225,960		8.1	%	111,939		4.0	%	n/a		n/a
Orrstown Bank	242,005		8.6	%	111,930		4.0	%	139,912		5.0	%
December 31, 2020
Total risk-based capital:
Orrstown Financial Services, Inc.	$	271,184	15.6	%	$	183,099	10.5	%	n/a		n/a
Orrstown Bank	256,376		14.7	%	183,012		10.5	%	$	174,297	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	217,582		12.5	%	148,223		8.5	%	n/a		n/a
Orrstown Bank	234,677		13.5	%	148,152		8.5	%	139,437		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	217,582		12.5	%	122,066		7.0	%	n/a		n/a
Orrstown Bank	234,677		13.5	%	122,008		7.0	%	113,293		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	217,582		8.1	%	108,063		4.0	%	n/a		n/a
Orrstown Bank	234,677		8.7	%	108,148		4.0	%	135,185		5.0	%