Orrstown Bank Mortgage Rates, Fees & Info

Shippensburg, PA

LEI: 54930060KLIQD8MMSB55

Tax ID: 23-0934350

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Orrstown Bank is a smaller bank specializing in Home Purchase and Refi loans. Orrstown Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Harrisburg, Chambersburg, Lancaster, York, and Baltimore among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Orrstown Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Orrstown Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.57% 12/16/24
    30 Year Conventional Purchase 6.60% 12/16/24
    30 Year Conventional Refi 6.62% 12/16/24
    30 Year Cash-out Refi 6.75% 12/16/24
    30 Year FHA Purchase 7.37% 12/16/24
    30 Year VA Purchase 6.31% 12/16/24
    30 Year USDA Purchase 7.03% 12/16/24
    15 Year Conventional Purchase 6.20% 12/16/24
    15 Year Conventional Refi 6.09% 12/16/24
    15 Year Cash-out Refi 6.09% 12/16/24
    15 Year FHA Refi 6.90% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Orrstown Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Orrstown Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,447

    Origination Dollar Volume (All Markets)

    $248,545,000

    Employee count

    447 Show all (14) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 567 $86,395,000 $152,372 $3,834 4.15%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 457 $63,805,000 $139,617 $3,714 4.03%
    LANCASTER, PA (FHA|USDA|VA) 167 $41,125,000 $246,257 $4,238 4.10%
    YORK-HANOVER, PA (FHA|USDA|VA) 60 $12,330,000 $205,500 $4,485 4.11%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 37 $11,615,000 $313,919 $1,306 4.00%
    LEBANON, PA (FHA|USDA|VA) 34 $6,350,000 $186,765 $4,364 4.70%
    READING, PA (FHA|USDA|VA) 27 $6,255,000 $231,667 $4,680 3.86%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 23 $3,395,000 $147,609 $3,832 4.21%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 14 $2,890,000 $206,429 $4,258 3.94%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $2,540,000 $635,000 $0 4.31%
    GETTYSBURG, PA (FHA|USDA|VA) 14 $2,370,000 $169,286 $5,260 4.23%
    Outside of Metro Areas 13 $1,955,000 $150,385 $3,370 3.93%
    SALISBURY, MD-DE (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,503 3.98%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $885,000 $885,000 $8,962 4.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $630,000 $157,500 $3,737 5.28%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $605,000 $605,000 $0 4.98%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,106 3.75%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $455,000 $455,000 $5,466 3.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $415,000 $415,000 $2,727 4.88%
    Huntingdon, PA (FHA|USDA|VA) 3 $345,000 $115,000 $5,019 4.37%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,965 3.75%
    Selinsgrove, PA (FHA|USDA|VA) 1 $325,000 $325,000 $4,089 4.13%
    Fairmont, WV (FHA|USDA|VA) 1 $265,000 $265,000 $2,124 4.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $245,000 $245,000 $6,311 4.63%
    Pottsville, PA (FHA|USDA|VA) 2 $170,000 $85,000 $2,910 4.75%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.48%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,471 4.00%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.49%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,425 3.88%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
    Lewistown, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
    Orrstown Bank's top markets include Harrisburg, Chambersburg, Lancaster, York, and Baltimore among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Orrstown Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    UTILITIES EMPLOYEES CREDIT UNION
    Similarity Rank: 42
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Prudential Bank
    Similarity Rank: 162
    CREDIT UNION OF NEW JERSEY
    Similarity Rank: 180
    LEBANON
    Similarity Rank: 182
    CORNING
    Similarity Rank: 202
    The Glen Burnie Mutual Savings Bank
    Similarity Rank: 218
    Diamond Credit Union
    Similarity Rank: 228
    POINT BREEZE
    Similarity Rank: 297
    PATRIOT
    Similarity Rank: 300

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 666 $148,410,000 $222,838 $3,370 4.39%
    HELOC 650 $76,670,000 $117,954 n/a 3.91%
    FHA 65 $10,915,000 $167,923 $6,136 3.79%
    USDA 34 $5,230,000 $153,824 $4,825 3.64%
    VA 32 $7,320,000 $228,750 $7,341 3.57%

    For 2019, Orrstown Bank's most frequently originated type of loan was Conventional, with 666 originations. Their 2nd most popular type was HELOC, with 650 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 584 $124,830,000 $213,750 $4,252 4.23%
    Refi 451 $77,055,000 $170,854 $2,930 3.87%
    Home Improvement 170 $15,850,000 $93,235 $747 4.22%
    Other 166 $15,190,000 $91,506 $1,314 4.13%
    Cash Out Refi 76 $15,620,000 $205,526 $3,704 4.31%

    For 2019, Orrstown Bank's most frequently cited loan purpose was Home Purchase, with 584 originations. The 2nd most popular reason was Refi, with 451 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,185 $182,495,000 $154,004 $4,124 4.02%
    10 Year 86 $20,360,000 $236,744 $467 5.08%
    15 Year 81 $14,305,000 $176,605 $3,012 3.92%
    20 Year 34 $6,820,000 $200,588 $3,237 4.14%
    30+ year 34 $14,390,000 $423,235 $4,202 4.45%
    Other 20 $8,340,000 $417,000 $4,197 4.84%
    5 Year 5 $1,585,000 $317,000 $397 4.92%
    1 Year 1 $95,000 $95,000 $0 5.75%
    3 Year 1 $155,000 $155,000 $0 5.00%

    For 2019, Orrstown Bank's most frequently cited loan duration was 30 Year, with 1,185 originations. The 2nd most popular length was 10 Year, with 86 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 602 $113,490,000 $188,522
    $1k-2k 74 $18,870,000 $255,000
    $2k-3k 19 $5,185,000 $272,895
    $3k-4k 10 $4,230,000 $423,000
    $5k+ 6 $3,300,000 $550,000
    $4k-5k 2 $620,000 $310,000

    Orrstown Bank's average total fees were $4,124, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 602 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 908 $143,690,000 $158,249
    4-5% 337 $74,665,000 $221,558
    5-6% 119 $23,575,000 $198,109
    6-7% 39 $2,785,000 $71,410
    7-8% 25 $1,575,000 $63,000
    2.5-3% 10 $1,880,000 $188,000
    Over 8% 9 $375,000 $41,667

    During 2019, Orrstown Bank's average interest rate for loans was 4.02%, while their most frequently originated rate bucket for loans was 3-4%, with 908 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 620 $87,620,000 $141,323 $3,750 3.96%
    $100,000 or less 426 $22,690,000 $53,263 $2,022 4.40%
    $200k-400k 320 $86,260,000 $269,563 $4,635 3.99%
    $400k-600k 59 $27,185,000 $460,763 $4,862 4.06%
    $600k-1MM 12 $8,210,000 $684,167 $4,834 4.76%
    $1MM+ 10 $16,580,000 $1,658,000 $7,931 4.63%

    2019 saw Orrstown Bank place emphasis on $100k-200k loans with 620 originations, totaling $87,620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 328 $43,690,000 $133,201 $3,879 4.06%
    $100k-150k 270 $47,120,000 $174,519 $3,919 4.05%
    $50k or less 249 $23,755,000 $95,402 $3,198 4.06%
    $75k-100k 247 $38,395,000 $155,445 $4,457 4.00%
    $150k-250k 178 $38,380,000 $215,618 $3,727 4.14%
    $250k+ 100 $31,150,000 $311,500 $4,746 4.11%

    Orrstown Bank lent most frequently to those with incomes in the $50k-75k range, with 328 originations. The second most popular income band? $100k-150k, with 270 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 397 $61,035,000 $153,741 $3,469 4.05%
    30-36% 273 $45,215,000 $165,623 $3,870 4.04%
    <20% 195 $29,355,000 $150,538 $3,428 3.93%
    42% 85 $12,505,000 $147,118 $3,963 4.01%
    36% 51 $8,335,000 $163,431 $3,801 4.45%
    40% 45 $7,045,000 $156,556 $4,332 3.83%
    41% 45 $8,285,000 $184,111 $4,718 4.56%
    38% 43 $7,335,000 $170,581 $4,025 4.12%
    39% 40 $6,180,000 $154,500 $3,987 3.75%
    37% 38 $5,000,000 $131,579 $3,438 4.23%
    43% 22 $4,500,000 $204,545 $4,055 3.93%
    44% 18 $3,470,000 $192,778 $4,183 3.87%
    47% 18 $4,530,000 $251,667 $5,148 3.97%
    48% 18 $3,860,000 $214,444 $3,830 4.20%
    50-60% 16 $2,830,000 $176,875 $7,117 3.75%
    45% 16 $2,780,000 $173,750 $3,721 4.09%
    49% 14 $3,230,000 $230,714 $5,425 4.12%
    46% 14 $2,420,000 $172,857 $4,070 4.18%
    >60% 11 $3,065,000 $278,636 $7,073 3.78%

    Orrstown Bank lent most frequently to those with DTI ratios of 20-30%, with 397 originations. The next most common DTI ratio? 30-36%, with 273 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,234 $197,190,000 $159,797 $3,836 4.05%
    Not applicable 65 $23,615,000 $363,308 $0 5.14%
    Not provided 101 $18,955,000 $187,673 $4,207 4.10%
    Black 26 $5,070,000 $195,000 $3,138 4.50%
    Asian 17 $3,265,000 $192,059 $5,012 4.27%
    American Indian 3 $245,000 $81,667 $3,429 3.95%
    Native Hawaiian or Islander 1 $205,000 $205,000 $3,430 4.00%

    Approval Rates

    Total approvals of all applications
    82.18%

    Orrstown Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.15%

    Orrstown Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,447 $248,545,000 $171,766

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $3,520,000 $1,760,000
    Multifamily:Site-Built 23 $14,515,000 $631,087
    Single Family (1-4 Units):Manufactured 15 $875,000 $58,333
    Single Family (1-4 Units):Site-Built 1,407 $229,635,000 $163,209

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 239 $27,945,000 $116,925 $2,398 3.91%
    40-60% 192 $32,690,000 $170,260 $2,912 3.89%
    60-80% 378 $82,030,000 $217,011 $3,644 4.20%
    80-100% 449 $93,745,000 $208,786 $4,304 4.11%
    Over 100% 7 $1,895,000 $270,714 $8,671 3.68%
    Under 20% 181 $10,075,000 $55,663 $376 4.46%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Orrstown Bank 500 Olde Hickory Road Lancaster, PA 17601 Full Service B&M $8,331
    Orrstown Bank 1 Giant Lane Carlisle, PA 17013 Full Service B&M $70,997
    Orrstown Bank 1 South Carlisle Street New Bloomfield, PA 17068 Full Service B&M $22,624
    Orrstown Bank 1020 Professional Court Hagerstown, MD 21740 Full Service B&M $37,792
    Orrstown Bank 10283 York Road Cockeysville, MD 21030 Full Service B&M $90,446
    Orrstown Bank 1110 East Simpson Street Mechanicsburg, PA 17055 Full Service B&M $36,911
    Orrstown Bank 12 South Main Street Mercersburg, PA 17236 Full Service B&M $57,404
    Orrstown Bank 121 Lurgan Avenue Shippensburg, PA 17257 Full Service B&M $59,708
    Orrstown Bank 1324 Main Street, Suite 1 East Earl, PA 17519 Full Service B&M $8,757
    Orrstown Bank 1355 Orchard Drive Chambersburg, PA 17201 Full Service B&M $65,590
    Orrstown Bank 1400 Gilbert Way, Suite C-101 Lancaster, PA 17601 Full Service B&M $1,491
    Orrstown Bank 16400 Path Valley Road Spring Run, PA 17262 Full Service B&M $31,115
    Orrstown Bank 1725 Lincoln Highway East Chambersburg, PA 17202 Full Service B&M $46,214
    Orrstown Bank 18 Newport Plaza Newport, PA 17074 Full Service B&M $18,648
    Orrstown Bank 2098 Spring Valley Rd Lancaster, PA 17601 Full Service B&M $47,948
    Orrstown Bank 22 South Hanover Street Carlisle, PA 17013 Full Service B&M $64,147
    Orrstown Bank 3 Baden Powell Lane Mechanicsburg, PA 17050 Full Service B&M $85,242
    Orrstown Bank 301 West Main Street New Holland, PA 17557 Full Service B&M $17,265
    Orrstown Bank 308 Carolle Street Greencastle, PA 17225 Full Service B&M $72,775
    Orrstown Bank 3580 Orrstown Road Orrstown, PA 17244 Full Service B&M $51,674
    Orrstown Bank 403 North Market Street Duncannon, PA 17020 Full Service B&M $25,682
    Orrstown Bank 4075 Market Street Camp Hill, PA 17011 Full Service B&M $119,712
    Orrstown Bank 427 Village Drive Carlisle, PA 17015 Full Service B&M $149,059
    Orrstown Bank 454 Loudon Road Mercersburg, PA 17236 Full Service B&M $16,652
    Orrstown Bank 4750 Lindle Road Harrisburg, PA 17111 Full Service B&M $37,092
    Orrstown Bank 501 Fairmount Avenue Towson, MD 21286 Full Service B&M $87,288
    Orrstown Bank 5600 Harford Road Baltimore, MD 21214 Full Service B&M $63,205
    Orrstown Bank 566 Lausch Lane Lancaster, PA 17601 Full Service B&M $26,554
    Orrstown Bank 625 Norland Avenue Chambersburg, PA 17201 Full Service B&M $84,924
    Orrstown Bank 77 East King Street Shippensburg, PA 17257 Full Service B&M $321,706
    Orrstown Bank 788 Washington Blvd Baltimore, MD 21230 Full Service B&M $9,525
    Orrstown Bank 8108 Jumpers Hole Road Pasadena, MD 21122 Full Service B&M $53,512
    Orrstown Bank 8216 Philadelphia Road Baltimore, MD 21237 Full Service B&M $44,523
    Orrstown Bank 9050 Baltimore National Pike Ellicott City, MD 21042 Full Service B&M $38,155
    Orrstown Bank 92 Path Valley Road Fort Loudon, PA 17224 Full Service B&M $18,834
    Orrstown Bank 920 Lititz Pike Lititz, PA 17543 Full Service B&M $3,169
    Orrstown Bank Barnett Woods Road And Mcclure Street New Bloomfield, PA 17068 Limited, Drive-thru $0
    Orrstown Bank Center Square Newport, PA 17074 Full Service B&M $38,939

    For 2019, Orrstown Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $92,994
    Net interest income $71,025
    Total noninterest income $23,283
    Gross Fiduciary activities income $6,650
    Service charges on deposit accounts $3,288
    Trading account gains and fees $0
    Additional Noninterest Income $13,345
    Pre-tax net operating income $20,680
    Securities gains (or losses, -) $4,728
    Income before extraordinary items $21,485
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,485
    Minority interest net income $0
    Net income $21,485
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $17,466

    Orrstown Bank's gross interest income from loans was $92,994,000.
    Orrstown Bank's net interest income from loans was $71,025,000.
    Orrstown Bank's fee based income from loans was $3,288,000.
    Orrstown Bank's net income from loans was $21,485,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $21,969
    Provision for credit losses $900
    Total noninterest expense $72,728
    Salaries and employee benefits $41,148
    Premises and equipment expense $9,127
    Additional noninterest expense $22,453
    Applicable income taxes $3,923
    Net charge-offs $259
    Cash dividends $2,000

    Orrstown Bank's interest expense for loans was $21,969,000.
    Orrstown Bank's payroll and benefits expense were $41,148,000.
    Orrstown Bank's property, plant and equipment expenses $9,127,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,887,173
    Deposits held in domestic offices $1,887,173
    Deposits by Individuals, partnerships, and corporations $1,606,501
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $264,368
    Deposits by Commercial banks and other depository institutions in U.S. $16,304
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $250,837
    Demand deposits $176,884
    Nontransaction accounts $1,636,336
    Money market deposit accounts (MMDAs) $973,935
    Other savings deposits (excluding MMDAs) $142,832
    Total time deposits $519,569
    Total time and savings deposits $1,710,289
    Noninterest-bearing deposits $254,617
    Interest-bearing deposits $1,632,556
    Retail deposits $1,800,999
    IRAs and Keogh plan accounts $71,043
    Brokered deposits $17,095
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,381,624
    Cash & Balances due from depository institutions $56,462
    Interest-bearing balances $30,493
    Total securities $490,248
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,638,813
    Loan and leases loss allowance $14,655
    Trading account assets $0
    Bank premises and fixed assets $37,516
    Other real estate owned $5,413
    Goodwill and other intangibles $29,321
    All other assets $123,851

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,381,624
    Total Liabilities $2,139,583
    Total deposits $1,887,173
    Interest-bearing deposits $1,632,556
    Deposits held in domestic offices $1,887,173
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $8,269
    Trading liabilities $0
    Other borrowed funds $209,667
    Subordinated debt $0
    All other liabilities $34,474

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,638,813
    Loan and leases loss allowance $14,655
    Total loans and leases (domestic) $1,653,468
    All real estate loans $1,368,582
    Real estate loans in domestic offices $1,368,582
    Construction and development loans $57,403
    Residential 1-4 family construction $15,865
    Other construction, all land development and other land $41,538
    Loans secured by nonfarm nonresidential properties $531,934
    Nonfarm nonresidential secured by owner-occupied properties $170,884
    Commercial real estate & other non-farm, non-residential $361,050
    Multifamily residential real estate $106,893
    1-4 family residential loans $644,892
    Farmland loans $27,460
    Loans held in foreign offices $0
    Farm loans $1,496
    Commercial and industrial loans $173,239
    To non-U.S. addressees $0
    Loans to individuals $50,549
    Credit card loans $0
    Related Plans $5,203
    Consumer Auto Loans $31,368
    Other loans to individuals $13,978
    All other loans & leases $59,602
    Loans to foreign governments and official institutions $0
    Other loans $6,589
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $882
    Non 1-4 family restructured loans & leases $30
    Total loans and leases (foreign) $0

    Orrstown Bank had $1,638,813,000 of loans outstanding in 2019. $1,368,582,000 of loans were in real estate loans. $57,403,000 of loans were in development loans. $106,893,000 of loans were in multifamily mortgage loans. $644,892,000 of loans were in 1-4 family mortgage loans. $1,496,000 of loans were in farm loans. $0 of loans were in credit card loans. $31,368,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 455 $115,671 $254,222
    Nonfarm, nonresidential loans - <$100k 61 $2,580 $42,295
    Nonfarm, nonresidential loans - $100-250k 149 $18,229 $122,342
    Nonfarm, nonresidential loans - $250k-1MM 245 $94,862 $387,192
    Commercial & Industrial, US addressed loans - <$1MM 478 $40,278 $84,264
    Commercial & Industrial, US addressed loans - <$100k 292 $7,515 $25,736
    Commercial & Industrial, US addressed loans - $100-250k 96 $9,587 $99,865
    Commercial & Industrial, US addressed loans - $250k-1MM 90 $23,176 $257,511
    Farmland loans - <$1MM 68 $11,467 $168,632
    Farmland loans - <$100k 9 $397 $44,111
    Farmland loans - $100-250k 24 $2,424 $101,000
    Farmland loans - $250k-1MM 35 $8,646 $247,029
    Agriculture operations loans - <$1MM 40 $1,496 $37,400
    Agriculture operations loans - <$100k 35 $760 $21,714
    Agriculture operations loans - $100-250k 4 $368 $92,000
    Agriculture operations loans - $250k-1MM 1 $368 $368,000