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77 East King Street
Shippensburg, PA 17257

Orrstown Bank is headquartered in Shippensburg and is the 25th largest bank in the state of Pennsylvania. It is also the 564th largest bank in the nation. It was established in 1919 and as of March of 2014, it had grown to 330 employees at 22 locations. Orrstown Bank has a C+ health rating.

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Reviews (3)

Orrstown Bank Is Deceitful

Orrstown Trust department was deceitful to me not to disclose to me who to report an unresponsive an attorney.  That attorney turned out to be the Chairman of the Board of Directors.  Three members of the Trust department refused to answer my questions honestly for months and one for over 2 years along with another senior person.  Do not trust them they only protect their interests not the customer.  The trust is  1.3 million dollars and that did not warranty honesty. Good luck dealing with this bank but as you can read for yourself they have a track record of being accused of deceptive practices ie;  SEPTA v. Orrstown.  I will be providing more details very soon.

ORRSTOWN BANK--Denial Of Loan--

Orrstown Bank Purchased the First National Bank of Newport a few years ago.   I have been less than impressed with this bank.  They have high fees and recently I have been denied a mortgage refinance.  I pay the current loan every month online from the checking account at Orrstown.  My payments will actually be less with the new loan, yet I was denied.  My current lender also was offering a 10% discount of the loan amount as an incentive to refinance.  So there denial has cost me $8400.  The loan amount would have only been for 70% of the appraisal value. My credit rating is 740.  It was 760 last month when I refinanced my primary residence.   This is ridiculous considering I have two other mortgages with this bank.  They basically are not counting my rental income.

Fees Are Outrageous

After their restructuring of their operations the fees have become outrageous. It costs you money to bank with them. If it wasn't for some of their longtime employees I wouldn't have given them a star at all.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Orrstown Bank had $17.72 million in non-current loans and owned real-estate with $115.08 million in equity and loan loss allowances on hand to cover it. This gives Orrstown Bank a Texas Ratio of 15.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Orrstown Bank experienced no significant changes from 14.85% as of March 31, 2013 to 15.39% as of March 31, 2014, resulting in a negative change of 3.68%. This indicates that the balance sheet and financial strength for Orrstown Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Orrstown Bank has decreased its total deposits by -$42.2 million, resulting in -4.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Orrstown Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Orrstown Bank has $1.2 billion in assets with $115.08 million in equity, resulting in a capitalization level of 9.61%, which is above average.

Institution Statistics

FDIC Certificate #713
Year Established1919
Primary RegulatorFED
Assets and Liabilities
Assets$1.20 billion
Loans$655.44 million
Deposits$1.00 billion
Equity Capital$94.58 million
Loan Loss Allowance$20.50 million
Unbacked Noncurrent Loans$15.10 million
Real Estate Owned$2.61 million
Historic Data - March 2013
Assets$1.20 billion
Equity Capital$86.82 million
Loan Loss Allowance$21.92 million
Unbacked Noncurrent Loans$15.10 million
Real Estate Owned$1.93 million
Profit Margin - Quarterly
Net Interest Margin3.12%
Return on Assets0.74%
Return on Equity9.58%
Interest Income$9.60 million
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Orrstown Bank Savings Account Rates

0.25%--Christmas Club
0.25%--All Purpose Club
0.25%--Prime Statement Savings
0.15%--Statement Savings

Orrstown Bank Money Market Rates

0.40%$500k-Money Market

Orrstown Bank Checking Account Rates

0.25%-$25kReward Checking - Qualifying
0.25%-$25kThink Pink Checking - Qualifying
0.05%--Reward Checking - Non Qualifying
0.05%$10k-50+ Interest Checking
0.05%$10k-Interest Checking
0.05%$10k-Relationship Interest Checking
0.05%--Think Pink Checking - Non Qualifying
0.05%$10k-Direct Deposit Interest Checking

Orrstown Bank has 22 locations. Click to view all Orrstown Bank locations.