BlastPoint's Banking Scorecard

Orrstown Bank

$1B-$10B Specialty: Commercial PA FDIC cert 713

Harrisburg, PA

45 branches across PA · MD

884 banks in the $1B-$10B peer group nationally 37 in PA

Orrstown Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 48.4% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 9.61% below tier average
+ Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.6% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$5.6B +2.5% YoY +0.6% QoQ	+$2.8B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 12.3% in tier
Total Loans ?	$4.0B +4.8% YoY +1.0% QoQ	+$2.1B	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 12.0% in tier
Total Deposits ?	$4.6B -0.4% YoY +2.2% QoQ	+$2.3B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 12.3% in tier
Return on Assets ?	1.67% +16.7% YoY +4.9% QoQ	+0.31%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	3.95% -3.0% YoY -4.7% QoQ	+0.13%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	51.45% -9.6% YoY -3.7% QoQ	-9.61%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.76% +25.7% YoY +3.8% QoQ	-0.13%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	86.74% +5.2% YoY -1.2% QoQ	+2.53%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	19.11% -5.6% YoY -0.9% QoQ	-2.18%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.57% +32.2% YoY +7.8% QoQ	-0.11%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	12.52% +5.6% YoY +2.7% QoQ	-2.64%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.29% +31.8% YoY -70.5% QoQ	+0.03%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Top 14.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#108 of 221 • Top 48.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.29%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.67%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#96 of 420 • Bottom 22.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

107

Total Loans

size

Value: $4.02B

Peer Median: $1.96B

#107 of 884 Top 12.0% in $1B-$10B

110

Total Assets

size

Value: $5.58B

Peer Median: $2.82B

#110 of 884 Top 12.3% in $1B-$10B

110

Total Deposits

size

Value: $4.63B

Peer Median: $2.34B

#110 of 884 Top 12.3% in $1B-$10B

133

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#133 of 884 Top 14.9% in $1B-$10B

188

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.37%

#188 of 884 Top 21.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available