SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

9 Months Ended

Sep. 30, 2023

The following table presents capital amounts and ratios at September 30, 2023 and December 31, 2022:


	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
September 30, 2023
Total risk-based capital:
Orrstown Financial Services, Inc.	$	326,549	13.0	%	$	263,141	10.5	%	n/a		n/a
Orrstown Bank	313,992		12.5	%	263,085		10.5	%	$	250,557	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	266,370		10.6	%	213,019		8.5	%	n/a		n/a
Orrstown Bank	285,889		11.4	%	212,974		8.5	%	200,446		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	266,370		10.6	%	175,427		7.0	%	n/a		n/a
Orrstown Bank	285,889		11.4	%	175,390		7.0	%	162,862		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	266,370		8.7	%	122,433		4.0	%	n/a		n/a
Orrstown Bank	285,889		9.3	%	122,433		4.0	%	153,041		5.0	%
December 31, 2022
Total risk-based capital:
Orrstown Financial Services, Inc.	$	304,589	12.7	%	$	250,939	10.5	%	n/a		n/a
Orrstown Bank	292,933		12.3	%	250,566		10.5	%	$	238,634	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	245,752		10.3	%	203,141		8.5	%	n/a		n/a
Orrstown Bank	266,122		11.2	%	202,839		8.5	%	190,907		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	245,752		10.3	%	167,293		7.0	%	n/a		n/a
Orrstown Bank	266,122		11.2	%	167,044		7.0	%	155,112		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	245,752		8.5	%	116,325		4.0	%	n/a		n/a
Orrstown Bank	266,122		9.2	%	116,219		4.0	%	145,273		5.0	%