Orrstown Financial Services, Inc. ORRF

Company Overview

Orrstown Financial Services, Inc. (NASDAQ: ORRF) is a U.S.-based financial holding company headquartered in Harrisburg, Pennsylvania. Through its primary banking subsidiary, Orrstown Bank, the company provides commercial banking, consumer banking, wealth management, fiduciary, and advisory services. ORRF operates primarily in the community and regional banking industry, serving individuals, small and mid-sized businesses, municipalities, and nonprofit organizations across the Mid-Atlantic region.

The company’s principal revenue drivers include net interest income from commercial and consumer lending, residential mortgage lending, deposit-related services, wealth management fees, and treasury management services. ORRF has historically emphasized relationship-based community banking with a focus on commercial real estate, commercial and industrial lending, and small business banking. The company traces its origins to 1919 with the founding of Orrstown Bank and has expanded through organic growth and acquisitions, including the acquisition of Codorus Valley Bancorp, Inc. in 2022, which significantly increased its scale and market presence in Pennsylvania and Maryland.