Orrstown Bank

What Orrstown Bank does

Orrstown Bank, a wholly-owned subsidiary of publicly-listed Orrstown Financial Services, Inc. (NASDAQ: ORRF), is a Mid-Atlantic community bank founded in 1919 and headquartered in Shippensburg/Harrisburg, Pennsylvania. The bank provides deposit products (checking, savings, money market, CDs), consumer lending (auto, personal, home equity including the SmartLock HELOC), residential mortgages, commercial and C&I lending, agricultural banking, treasury management, and merchant services across six jurisdictions: Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and the District of Columbia. Wealth management and trust services are delivered through the Orrstown Financial Advisors sub-brand via a strategic partnership with Cetera Advisor Networks, LLC.

The operating technology stack is a conventional community-bank architecture: a core banking platform supporting branch, online, mobile, and telephone banking channels; a mobile app featuring mobile deposit and SecurLOCK Equip card management; third-party wealth portals (NetXInvestor, Albridge, OFA Portal) for investment account access; and Fraud Watch for debit-card transaction monitoring. The bank holds standard regulatory credentials — FDIC membership, Equal Housing Lender status, and FINRA/SIPC-regulated securities activity through Cetera. It does not disclose proprietary software development, APIs, or developer SDKs.

Orrstown generates revenue primarily through net interest income from its lending activities (commercial, residential, consumer, agricultural), with non-interest fee income contributing $52.3 million (21% of total operating income) in 2025 from deposit fees, wires, overdrafts, and ATM transactions, plus transaction-based merchant services and mortgage banking fees. Wealth management revenue flows through the Cetera partnership. As of 2025, the bank manages $5.4 billion in total assets and produced record net income of $80.9 million ($4.18 diluted EPS), with a 4.04% net interest margin, 1.49% ROA, and 14.76% ROE. Q1 2026 net income of $21.8 million and $98.7 million in deposit growth indicate continued post-PeoplesBank momentum under recently appointed CEO Adam L. Metz.

Name

Orrstown Bank

Legal name

Orrstown Financial Services, Inc.

Website

https://orrstown.com

Company type

Public

Founded year

1919

Operating status

Operating

Headcount range

251–500 employees

Short description

Orrstown Bank (NASDAQ: ORRF) is a Mid-Atlantic community bank founded in 1919, serving individuals, small and medium businesses, agricultural operators, and homebuyers across Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and the District of Columbia with deposits, commercial and consumer lending, mortgages, treasury, merchant, and wealth-advisory services through Cetera.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Finance and Insurance (52)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking services
• Commercial lending
• Residential mortgage lending
• Wealth management services
• Treasury management services

Headquarters

HQ city

Shippensburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income earned from lending activities including commercial loans, residential mortgages, consumer loans, and agricultural loans. Primary revenue driver for the bank.
2. Fee Income: Non-interest fee income from deposit account fees, wire transfers, ATM transactions, overdraft fees, and other service charges. Contributed $52.3 million (21% of total operating income) in 2025.
3. Wealth Management Services: Investment advisory and brokerage services offered through Cetera Advisor Networks partnership, providing retirement planning, estate planning, tax resources, and investment management.
4. Merchant Services: Payment processing services for business customers.
5. Mortgage Banking: Residential mortgage originations including purchase, refinance, and home equity products.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Orrstown Bank is a community bank that provides traditional deposit products (checking, savings, money market, CDs), consumer lending (auto, personal, home equity via SmartLock HELOC), residential mortgages, commercial lending (small business, agriculture, C&I), treasury management, merchant services, and wealth management through its Orrstown Financial Advisors division (via Cetera). Services are delivered through a regional branch network across Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and the District of Columbia, supplemented by online, mobile, and telephone banking channels.

Product overview

Orrstown Bank is a community bank offering a comprehensive suite of traditional banking products and digital services. The bank operates a platform of core deposit products (checking, savings, money market, CDs) alongside lending services spanning consumer (auto, personal, home equity), mortgage, and commercial segments (small business, agriculture, commercial real estate). Wealth management is delivered through Orrstown Financial Advisors in partnership with Cetera. Digital banking is supported through online, mobile, and telephone channels, with additional tools including SecurLOCK Equip for card controls, financial calculators, and treasury management services. The bank also offers merchant services and mortgage lending with online application capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Orrstown Financial Advisors (OFA): A division of Orrstown Bank providing wealth management and trust services, operated through Cetera. Offers retirement, investment, estate, insurance, and tax planning resources.

Products and services

• Personal & Business Banking (Deposit Accounts)
• SmartLock Home Equity Line of Credit
• Personal Loans
• Small Business Borrowing
• Agriculture Banking
• Commercial Borrowing
• Treasury Management
• Merchant Services
• Orrstown Mortgage
• Orrstown Financial Advisors - Cetera Wealth Management
• Online Banking
• Mobile Banking
• Telephone Banking

Quantifiable outcome

• Highest annual net income in company's 106-year history ($80.9 million in 2025)
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Greenpath Financial WellnessminorGTM or Marketing PartnerGreenpath Financial Wellness provides expert support and resources to help Orrstown Bank customers move forward with confidence regarding their financial well-being. Greenpath is an independent third-party provider offering debt counseling and financial wellness services.
• Cetera Advisor Networks, LLCcoreChannel Partner/ Reseller/ DistributorCetera Advisor Networks provides securities and investment advisory services to Orrstown Bank customers through the Orrstown Financial Advisors division. Cetera is a member of FINRA/SIPC. This partnership enables the bank to offer wealth management, retirement planning, estate planning, and investment advisory services under the Orrstown Financial Advisors brand.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lakeland Bancorp: Oak Ridge, NJ-based community bank holding company with a comparable balance sheet size and similar mix of commercial lending, retail deposits, and wealth management. Closely comparable on community bank economics and asset size tier.
• Tompkins Financial Corporation: Ithaca, NY-based community bank with comparable size and similar business model of community banking, commercial lending, and wealth management. Comparable as a similarly scaled Northeast/Mid-Atlantic community bank.
• ACNB Corporation: Gettysburg, PA-based community bank with branches across south-central Pennsylvania and northern Maryland — overlapping Orrstown's core geographies. Comparable on traditional community banking, agricultural lending, and SMB focus.
• S&T Bancorp: Indiana, PA-based community bank holding company with operations in Pennsylvania and surrounding markets. Comparable to Orrstown on Pennsylvania community banking focus, commercial lending, and treasury management offerings.
• Customers Bancorp: West Reading, PA-based commercial bank with a similar Mid-Atlantic presence and community/commercial banking model. Directly comparable on commercial lending focus and Pennsylvania franchise overlap.
• Atlantic Union Bankshares: Richmond, VA-based regional bank with significant Virginia and Maryland presence. Comparable as a Mid-Atlantic commercial and retail community bank pursuing growth through both organic expansion and acquisitions.
• Fulton Financial Corporation: Lancaster, PA-based community bank operating across PA, NJ, DE, MD, and VA. Closely comparable to Orrstown on Pennsylvania community banking model, commercial lending focus, and traditional retail/brokerage offerings.
• Univest Financial Corporation: Souderton, PA-based community bank holding company with operations across Pennsylvania and New Jersey. Closely comparable to Orrstown on scale, community banking model, and commercial/SMB lending focus.
• F.N.B. Corporation: F.N.B. is a Mid-Atlantic community bank holding company with comparable deposit gathering, commercial lending, and wealth management businesses across Pennsylvania and surrounding states. Directly comparable on footprint, scale tier, and product mix.
• First Commonwealth Financial Corporation: Indiana, PA-based community bank with branches across Pennsylvania and Ohio. Comparable to Orrstown on traditional community banking model, commercial lending, and consumer deposit products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/orrstownbank
• YouTubeyoutube.com/channel/UCW1stdScJc55WrFTlRgYMSw
• Facebookfacebook.com/orrstownbank
• LinkedInlinkedin.com/company/orrstown-bank
• Instagraminstagram.com/orrstownbank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Orrstown Bank