SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2025

The following table presents capital amounts and ratios at March 31, 2025 and December 31, 2024:


	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, 2025
Total risk-based capital:
Orrstown Financial Services, Inc.	$	558,790	13.1	%	$	448,390	10.5	%	n/a		n/a
Orrstown Bank	555,955		13.0	%	448,396		10.5	%	$	427,044	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	460,912		10.8	%	362,982		8.5	%	n/a		n/a
Orrstown Bank	506,304		11.9	%	362,987		8.5	%	341,635		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	453,162		10.6	%	298,927		7.0	%	n/a		n/a
Orrstown Bank	506,304		11.9	%	298,930		7.0	%	277,578		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	460,912		8.6	%	214,143		4.0	%	n/a		n/a
Orrstown Bank	506,304		9.5	%	214,266		4.0	%	267,833		5.0	%
December 31, 2024
Total risk-based capital:
Orrstown Financial Services, Inc.	$	543,170	12.4	%	$	458,593	10.5	%	n/a		n/a
Orrstown Bank	539,929		12.4	%	458,609		10.5	%	$	436,770	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	445,146		10.2	%	371,242		8.5	%	n/a		n/a
Orrstown Bank	490,029		11.2	%	371,255		8.5	%	349,416		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	437,456		10.0	%	305,728		7.0	%	n/a		n/a
Orrstown Bank	490,029		11.2	%	305,739		7.0	%	283,901		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	445,146		8.3	%	215,375		4.0	%	n/a		n/a
Orrstown Bank	490,029		9.1	%	215,375		4.0	%	269,219		5.0	%