SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2022

The following table presents capital amounts and ratios at March 31, 2022 and December 31, 2021:


	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, 2022
Total risk-based capital:
Orrstown Financial Services, Inc.	$	300,952	14.3	%	$	220,591	10.5	%	n/a		n/a
Orrstown Bank	288,988		13.8	%	220,509		10.5	%	$	210,009	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	245,833		11.7	%	178,574		8.5	%	n/a		n/a
Orrstown Bank	265,847		12.7	%	178,508		8.5	%	168,007		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	245,833		11.7	%	147,061		7.0	%	n/a		n/a
Orrstown Bank	265,847		12.7	%	147,006		7.0	%	136,506		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	245,833		8.8	%	112,328		4.0	%	n/a		n/a
Orrstown Bank	265,847		9.5	%	112,352		4.0	%	140,440		5.0	%
December 31, 2021
Total risk-based capital:
Orrstown Financial Services, Inc.	$	297,823	15.0	%	$	208,617	10.5	%	n/a		n/a
Orrstown Bank	278,780		14.0	%	208,550		10.5	%	$	198,619	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	243,075		12.2	%	168,880		8.5	%	n/a		n/a
Orrstown Bank	255,995		12.9	%	168,826		8.5	%	158,895		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	243,075		12.2	%	139,078		7.0	%	n/a		n/a
Orrstown Bank	255,995		12.9	%	139,033		7.0	%	129,102		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	243,075		8.5	%	114,384		4.0	%	n/a		n/a
Orrstown Bank	255,995		8.9	%	114,470		4.0	%	143,087		5.0	%