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SHAREHOLDERS’ EQUITY AND REGULATORY CAPITAL (Tables)
12 Months Ended
Dec. 31, 2024
Equity [Abstract]  
Schedule of Actual and Required Capital Amounts and Ratios
The following table presents capital amounts and ratios at December 31, 2024 and 2023:
 Actual
For Capital Adequacy Purposes
 (includes applicable capital conservation buffer)
To Be Well
Capitalized Under
Prompt Corrective
Action Regulations
AmountRatioAmountRatioAmountRatio
December 31, 2024
Total risk-based capital:
Orrstown Financial Services, Inc.$543,170 12.4 %$458,593 10.5 %n/an/a
Orrstown Bank539,929 12.4 %458,609 10.5 %$436,770 10.0 %
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.445,146 10.2 %371,242 8.5 %n/an/a
Orrstown Bank490,029 11.2 %371,255 8.5 %349,416 8.0 %
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.437,456 10.0 %305,728 7.0 %n/an/a
Orrstown Bank490,029 11.2 %305,739 7.0 %283,901 6.5 %
Tier 1 leverage capital:
Orrstown Financial Services, Inc.445,146 8.3 %215,375 4.0 %n/an/a
Orrstown Bank490,029 9.1 %215,375 4.0 %269,219 5.0 %
December 31, 2023
Total risk-based capital:
Orrstown Financial Services, Inc.$326,878 13.0 %$264,019 10.5 %n/an/a
Orrstown Bank320,687 12.8 %263,942 10.5 %$251,373 10.0 %
Tier 1 risk-based capital:
Orrstown Financial Services, Inc.272,677 10.8 %213,730 8.5 %n/an/a
Orrstown Bank292,160 11.6 %213,667 8.5 %201,099 8.0 %
Tier 1 common equity risk-based capital:
Orrstown Financial Services, Inc.272,677 10.8 %176,013 7.0 %n/an/a
Orrstown Bank292,160 11.6 %175,961 7.0 %163,393 6.5 %
Tier 1 leverage capital:
Orrstown Financial Services, Inc.272,677 8.9 %122,907 4.0 %n/an/a
Orrstown Bank292,160 9.5 %122,907 4.0 %153,634 5.0 %