SHAREHOLDERS' EQUITY AND REGULATORY CAPITAL (Tables)

9 Months Ended

Sep. 30, 2025

The following table presents capital amounts and ratios at September 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
September 30, 2025
Total risk-based capital:
Orrstown Financial Services, Inc.	$	574,472	13.1	%	$	459,551	10.5	%	n/a		n/a
Orrstown Bank	566,081		12.9	%	459,528		10.5	%	$	437,645	10.0	%
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.	495,519		11.3	%	372,017		8.5	%	n/a		n/a
Orrstown Bank	516,229		11.8	%	371,999		8.5	%	350,116		8.0	%
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.	487,649		11.1	%	306,367		7.0	%	n/a		n/a
Orrstown Bank	516,229		11.8	%	306,352		7.0	%	284,469		6.5	%
Tier 1 leverage capital:
Orrstown Financial Services, Inc.	495,519		9.3	%	214,059		4.0	%	n/a		n/a
Orrstown Bank	516,229		9.6	%	214,240		4.0	%	267,801		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	%