SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2024

The following table presents capital amounts and ratios at March 31, 2024 and December 31, 2023:


	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, 2024
Total risk-based capital:
Orrstown Financial Services, Inc.	$	334,597	13.4	%	$	263,098	10.5	%	n/a		n/a
Orrstown Bank	328,644		13.1	%	263,020		10.5	%	$	250,495	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	279,405		11.2	%	212,984		8.5	%	n/a		n/a
Orrstown Bank	299,141		11.9	%	212,921		8.5	%	200,396		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	279,405		11.2	%	175,399		7.0	%	n/a		n/a
Orrstown Bank	299,141		11.9	%	175,347		7.0	%	162,822		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	279,405		9.0	%	124,560		4.0	%	n/a		n/a
Orrstown Bank	299,141		9.6	%	124,550		4.0	%	155,687		5.0	%
December 31, 2023
Total risk-based capital:
Orrstown Financial Services, Inc.	$	326,878	13.0	%	$	264,019	10.5	%	n/a		n/a
Orrstown Bank	320,687		12.8	%	263,942		10.5	%	$	251,373	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	272,677		10.8	%	213,730		8.5	%	n/a		n/a
Orrstown Bank	292,160		11.6	%	213,667		8.5	%	201,099		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	272,677		10.8	%	176,013		7.0	%	n/a		n/a
Orrstown Bank	292,160		11.6	%	175,961		7.0	%	163,393		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	272,677		8.9	%	122,907		4.0	%	n/a		n/a
Orrstown Bank	292,160		9.5	%	122,907		4.0	%	153,634		5.0	%