SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

6 Months Ended

Jun. 30, 2025

The following table presents capital amounts and ratios at June 30, 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
June 30, 2025
Total risk-based capital:
Orrstown Financial Services, Inc.	$	575,116	13.3	%	$	453,178	10.5	%	n/a		n/a
Orrstown Bank	572,326		13.3	%	453,188		10.5	%	$	431,608	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	477,141		11.1	%	366,859		8.5	%	n/a		n/a
Orrstown Bank	522,681		12.1	%	366,867		8.5	%	345,286		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	469,331		10.9	%	302,119		7.0	%	n/a		n/a
Orrstown Bank	522,681		12.1	%	302,126		7.0	%	280,545		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	477,141		9.0	%	212,180		4.0	%	n/a		n/a
Orrstown Bank	522,681		9.8	%	212,303		4.0	%	265,379		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	%