Orrstown Financial Services

Orrstown helps people and businesses in Pennsylvania and Maryland manage their money through bank accounts and loans. It provides specialized services like retirement planning and investment advice for individuals and organizations. These tools help local communities grow by providing the funding needed for homes and business expansion.

What Orrstown Offers Its Clients

• Commercial Lending: Business loans for equipment, construction, and working capital; accounted for 75% of the loan portfolio as of December 31, 2025.
• Personal Banking: Consumer checking, savings, and mortgage products for individuals and families in local markets.
• Financial Advisory: Professional trust and investment management services; managed $3.1 billion in assets under management (total market value of client investments) as of December 31, 2025.
• Treasury Management: Digital platforms that help businesses move money, pay bills, and manage daily cash operations.

Strategic Moves and Market Growth

• Completed a merger with Codorus Valley Bancorp, Inc. and its bank subsidiary PeoplesBank on July 1, 2024.
• Recorded the merger at a value of $233.4 million to expand operations into the York, Pennsylvania market.
• Increased market penetration in existing regions through the addition of acquired assets and branch locations.

What Makes the Bank Different?

Orrstown focuses on a community banking model that prioritizes local relationship building and regional expertise. The company uses digital tools like mobile deposit and online chat to provide convenient alternatives to its physical branches.

Orrstown by the Numbers

• Revenue grew to $89.9 million in Q1 2026, up 4% from $86.5 million in Q1 2025.
• Net income reached $21.8 million in Q1 2026, a 20.8% increase compared to the previous year.
• Total assets stood at $5.5 billion as of December 31, 2025, supported by $4.5 billion in total deposits.
• Operating income rose 20.8% year-over-year to $27.5 million for the period ending Q1 2026.
• Market capitalization reached $695.4 million in Q1 2026, up 21% from $574.9 million in Q1 2025.

The Big Picture

Orrstown has transformed from a local bank into a regional financial holding company through strategic mergers and expanded digital services. Its focus on balancing commercial lending with wealth management provides a diversified revenue stream across its growing footprint.