Bank · FDIC insured
Orrstown Bank
A $5.6B bank, the 258th largest of 4,207, headquartered in Harrisburg, PA, with 42 branches in 2 states. Best rates: CDs 3.09% and savings 0.30% APY.
Orrstown Bank Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#16 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Orrstown Bank
Founded in 1919 in Orrstown, Pennsylvania, Orrstown Bank operates branches across Pennsylvania and Maryland as a regional financial institution under Orrstown Financial Services, Inc., established in 1988.
The bank acquired The First National Bank of Newport in 2006–2007, added Wheatland Advisors in 2016, and combined with PeoplesBank and Codorus Valley Bancorp in 2024.
- Headquarters
- 4750 Lindle Rd, Harrisburg, PA 17111
- FDIC certificate
- 713 ↗
Branches
42 branches in 2 states
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Pennsylvania
34 branches
York area · 14
- Brogue Branch2510 Delta Rd, Brogue, PA 17309Directions
- Homewood At Plum Creek425 Westminster Ave, Hanover, PA 17331Directions
- North Hanover Branch65 Eisenhower Dr, Hanover, PA 17331Directions
- South Hanover Branch1651 Baltimore Pike, Hanover, PA 17331Directions
- Jacobus Branch1 N Main St, Jacobus, PA 17407Directions
- New Freedom Branch26 E Main St, New Freedom, PA 17349Directions
- Cape Horn Branch2587 Cape Horn Rd, Red Lion, PA 17356Directions
- Shrewsbury Branch97 Sofia Dr, Shrewsbury, PA 17361Directions
- Stewartstown Branch2 Ballast Ln, Stewartstown, PA 17363Directions
- Center City York1 Market Way W, York, PA 17401Directions
- East York Branch2410 Eastern Blvd, York, PA 17402Directions
- Leader Heights Road Branch109 Leaders Heights Rd, York, PA 17403Directions
- West York Branch1477 Carlisle Rd, York, PA 17408Directions
- York New Salem Branch320 N Main St, York, PA 17408Directions
Lancaster area · 8
- Masonic Village Branch400 James Buchanan Dr, Elizabethtown, PA 17022Directions
- Lancaster City Financial Center101 N Queen St, Lancaster, PA 17603Directions
- Manheim Pike Branch566 Lausch Ln, Lancaster, PA 17601Directions
- Olde Hickory Branch500 Olde Hickory Rd, Lancaster, PA 17601Directions
- Willow Valley Manor Branch600 Willow Valley Sq, Lancaster, PA 17602Directions
- Lititz Pike Branch920 Lititz Pike, Lititz, PA 17543Directions
- New Holland Branch301 W Main St, New Holland, PA 17557Directions
- Quarryville Presbyterian Retirement Community Branch625 Robert Fulton Hwy, Quarryville, PA 17566Directions
Harrisburg area · 7
- Orrstown BankMain office4750 Lindle Rd, Harrisburg, PA 17111Directions
- Camp Hill Branch4075 Market St, Camp Hill, PA 17011Directions
- Seven Gables Branch1 Giant Ln, Carlisle, PA 17013Directions
- Stonehedge Branch427 Village Dr, Carlisle, PA 17015Directions
- Silver Spring Branch3 Baden Powell Ln, Mechanicsburg, PA 17050Directions
- Newport Branch15 N 2nd St, Newport, PA 17074Directions
- East King Street Branch77 E King St, Shippensburg, PA 17257Directions
Chambersburg area · 5
- Norland Avenue Branch625 Norland Ave, Chambersburg, PA 17201Directions
- Orchard Drive Branch1355 Orchard Dr, Chambersburg, PA 17201Directions
- Greencastle Branch308 Carolle St, Greencastle, PA 17225Directions
- Mercersburg Branch12 S Main St, Mercersburg, PA 17236Directions
- Lurgan Branch121 Lurgan Ave, Shippensburg, PA 17257Directions
Maryland
8 branches
Baltimore area · 7
- Perry Hall9651 Belair Rd, Baltimore, MD 21236Directions
- Rosedale Branch8216 Philadelphia Rd, Baltimore, MD 21237Directions
- Bel Air Branch140 N Main St, Bel Air, MD 21014Directions
- Cockeysville Branch10283 York Rd, Cockeysville, MD 21030Directions
- Ellicott City Branch4450 Long Gate Parkway, Ellicott City, MD 21043Directions
- Hunt Valley Branch203 International Cir, Hunt Valley, MD 21030Directions
- Pasadena Branch8108 Jumpers Hole Rd, Pasadena, MD 21122Directions
Hagerstown area · 1
- Eastern Blvd Branch1020 Professional Ct, Hagerstown, MD 21740Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.97% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.60% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.69% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalLeverage ratio9.97%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.60%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.69%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Orrstown Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.