Orrstown Bank
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.
- Company typePublic
- Founded1919
- HeadquartersShippensburg, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
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.
Orrstown Bank firmographics
Firmographics- 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
Orrstown Bank industry classification
Industry- 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
Where Orrstown Bank is headquartered
LocationHeadquarters
- HQ city
- Shippensburg
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Orrstown Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- 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.
- 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.
- Wealth Management Services: Investment advisory and brokerage services offered through Cetera Advisor Networks partnership, providing retirement planning, estate planning, tax resources, and investment management.
- Merchant Services: Payment processing services for business customers.
- Mortgage Banking: Residential mortgage originations including purchase, refinance, and home equity products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Banking - Checking Accounts |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Services |
| Transaction based/ take rate | Pay-as-you-go | ATM and Card Services |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfers |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Orrstown Bank product offering
Product offeringCore 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
Companies that use Orrstown Bank
Customer profileSegments4 records
Ideal customer profiles3 records
Orrstown Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Orrstown Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Greenpath Financial WellnessminorGreenpath 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, LLCcoreCetera 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
Orrstown Bank competitors and assessment
Company assessmentDirect 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
Orrstown Bank social profiles
Digital presenceOrrstown Bank compliance and trust
Trust signalCompliance5 records
Orrstown Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Orrstown Bank leadership team
Management profileNumber of profiles
Profiles9 records
Orrstown Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Orrstown Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Orrstown Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Orrstown Bank
What does Orrstown Bank do?
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.
Is Orrstown Bank a public or private company?
Orrstown Bank is a public company. It is classified as public and is currently operating.
When was Orrstown Bank founded?
Orrstown Bank was founded in 1919. It employs 251 to 500 people.
Where is Orrstown Bank based?
Orrstown Bank is headquartered in Shippensburg, United States, in the North America region.
How does Orrstown Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are fee Income, wealth Management Services, merchant Services and mortgage Banking.
Who are Orrstown Bank's main competitors?
Direct peers on record are Lakeland Bancorp, Tompkins Financial Corporation, ACNB Corporation, S&T Bancorp, Customers Bancorp, Atlantic Union Bankshares, Fulton Financial Corporation, Univest Financial Corporation, F.N.B. Corporation and First Commonwealth Financial Corporation.
Does Orrstown Bank have an API?
No public API is recorded for Orrstown Bank.
What industry is Orrstown Bank in?
Orrstown Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 5221 and its SIC code is 6099.