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SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)
9 Months Ended
Sep. 30, 2024
Equity [Abstract]  
Capital Amounts and Ratios
The following table presents capital amounts and ratios at September 30, 2024 and December 31, 2023:
 ActualFor Capital Adequacy Purposes
(includes applicable capital conservation buffer)
To Be Well
Capitalized Under
Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
September 30, 2024
Total risk-based capital:
Orrstown Financial Services, Inc.$538,286 12.4 %$455,725 10.5 %n/an/a
Orrstown Bank529,516 12.2 %455,614 10.5 %$433,919 10.0 %
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.432,690 10.0 %368,920 8.5 %n/an/a
Orrstown Bank478,370 11.0 %368,831 8.5 %347,135 8.0 %
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.425,059 9.8 %303,762 7.0 %n/an/a
Orrstown Bank478,370 11.0 %303,743 7.0 %282,047 6.5 %
Tier 1 leverage capital:
Orrstown Financial Services, Inc.432,690 8.0 %217,532 4.0 %n/an/a
Orrstown Bank478,370 8.8 %216,278 4.0 %270,347 5.0 %
December 31, 2023
Total risk-based capital:
Orrstown Financial Services, Inc.$326,878 13.0 %$264,019 10.5 %n/an/a
Orrstown Bank320,687 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/an/a
Orrstown Bank292,160 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/an/a
Orrstown Bank292,160 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/an/a
Orrstown Bank292,160 9.5 %122,907 4.0 %153,634 5.0 %