Call reports 2025
ORRSTOWN BANK — 2025
What ORRSTOWN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,441,642,000 | 5,387,740,000 | 5,470,010,000 | 5,541,962,000 |
| Total loans | 3,881,246,000 | 3,936,585,000 | 3,985,762,000 | 4,026,783,000 |
| Allowance for loan losses | 47,804,000 | 47,898,000 | 48,105,000 | 47,681,000 |
| Securities available for sale | 855,249,000 | 885,158,000 | 890,136,000 | 952,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,909,000 | 14,717,000 | 15,185,000 | 14,463,000 |
| Total deposits | 4,650,117,000 | 4,532,668,000 | 4,542,278,000 | 4,533,712,000 |
| Interest-bearing deposits | 3,708,409,000 | 3,604,117,000 | 3,634,494,000 | 3,659,599,000 |
| Noninterest-bearing deposits | 941,708,000 | 928,551,000 | 907,784,000 | 874,113,000 |
| Equity capital | 586,078,000 | 601,797,000 | 600,515,000 | 623,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 75,517,000 | 150,348,000 | 227,468,000 | 303,727,000 |
| Interest expense | 25,498,000 | 49,518,000 | 74,082,000 | 99,153,000 |
| Net interest income | 50,019,000 | 100,830,000 | 153,386,000 | 204,574,000 |
| Noninterest income | 11,773,000 | 25,009,000 | 38,775,000 | 53,602,000 |
| Noninterest expense | 37,709,000 | 74,788,000 | 110,660,000 | 147,731,000 |
| Provision for loan losses | -554,000 | -345,000 | 51,000 | 126,000 |
| Pretax income | 24,637,000 | 51,496,000 | 81,594,000 | 110,536,000 |
| Income tax | 5,105,000 | 10,814,000 | 17,135,000 | 23,441,000 |
| Net income | 19,532,000 | 40,682,000 | 64,459,000 | 87,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 506,304,000 | 522,681,000 | 516,229,000 | 538,598,000 |
| Total capital | 555,955,000 | 572,326,000 | 566,081,000 | 588,026,000 |
| Risk-weighted assets | 4,270,435,000 | 4,316,080,000 | 4,376,453,000 | 4,415,917,000 |