BlastPoint's Banking Scorecard
Orrstown Bank
Harrisburg, PA
43 branches across PA · MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +2.0% year over year ($4.6B on the books).
- Delinquency rate 0.60%.
- Return on assets 1.69%.
- Efficiency ratio 52.48% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.02% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Orrstown Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 7.25% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
+4.2% YoY
+0.6% QoQ
|
+$2.8B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 11.3% in tier |
| Total Loans ? |
$4.1B
+4.7% YoY
+1.3% QoQ
|
+$2.1B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 11.4% in tier |
| Total Deposits ? |
$4.6B
+2.0% YoY
-0.2% QoQ
|
+$2.3B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 12.0% in tier |
| Return on Assets ? |
1.69%
+12.6% YoY
+0.8% QoQ
|
+0.30% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.99%
-3.0% YoY
+1.1% QoQ
|
+0.12% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
52.48%
-5.4% YoY
+2.0% QoQ
|
-7.25% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.60%
-1.0% YoY
-20.3% QoQ
|
-0.26% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
88.02%
+2.6% YoY
+1.5% QoQ
|
+2.98% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
19.98%
-2.5% YoY
+4.5% QoQ
|
-1.29% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.46%
+3.8% YoY
-19.1% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.11%
+0.0% YoY
-3.3% QoQ
|
-2.73% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.54%
+16.2% YoY
+89.1% QoQ
|
+0.01% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.0%
-0.5pp YoY +0.9pp QoQ |
-1.4pp | 21.4% | 18.7% | 22.2% | 51% |
| Brokered Deposits |
2.1%
+1.9pp YoY 0.0pp QoQ |
-7.4pp | 9.5% | 6.8% | 8.5% | 28% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
-0.1pp YoY +0.1pp QoQ |
-2.8pp | 14.0% | 8.6% | 12.5% | 49% |
| CRE |
60.3%
+1.0pp YoY -0.2pp QoQ |
+10.3pp | 50.0% | 37.9% | 41.4% | 76% |
| 1-4 Family |
25.2%
+0.1pp YoY +0.5pp QoQ |
-1.3pp | 26.4% | 47.8% | 31.3% | 55% |
| Consumer |
0.4%
0.0pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 3.8% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
0.0pp YoY -0.4pp QoQ |
-3.5pp | 15.6% | 22.3% | 19.7% | 27% |
| Leverage Ratio |
10.0%
+0.1pp YoY -0.2pp QoQ |
-1.3pp | 11.3% | 13.2% | 12.6% | 36% |
| Total Capital Ratio |
13.1%
-0.1pp YoY -0.4pp QoQ |
-3.6pp | 16.7% | 23.3% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
643
+7 (+1.1%) YoY +2 (+0.3%) QoQ |
+329 | 313 | 299 | 482 | 91% |
| Assets per Employee ($) |
$8.7M
+3.0% YoY +0.3% QoQ |
-$1.8M | $10.5M | $9.2M | $8.8M | 50% |
| Branch Count |
43
-2 (-4.4%) YoY 0 QoQ |
+23 | 20 | 20 | 18 | 91% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 41% |
| Nonaccrual |
0.6%
0.0pp YoY -0.2pp QoQ |
-0.2pp | 0.8% | 0.9% | 1.0% | 56% |
| Allowance Coverage |
1.90x
-6.1% YoY +21.7% QoQ |
-16.81x | 18.71x | 3.63x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
+1.1pp YoY +0.2pp QoQ |
+2.4pp | 12.6% | 10.2% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.8% | 1.7% | 48% |
| Net Income ($, YTD) |
$47.1M
+15.8% YoY — QoQ |
+$27.8M | $19.2M | $18.2M | $40.4M | 92% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.