Orrstown Financial Services Balance Sheet Health
Financial Health criteria checks 6/6
Orrstown Financial Services has total assets of $5.5B and total equity of $516.2M. Total deposits are $4.7B, and total loans are $3.9B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $251.2M.
Key information
10.6x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | US$4.65b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$251.25m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OFR's Assets to Equity ratio (10.6x) is moderate.
Allowance for Bad Loans: OFR has a sufficient allowance for bad loans (184%).
Low Risk Liabilities: 94% of OFR's liabilities are made up of primarily low risk sources of funding.
Loan Level: OFR has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: OFR's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: OFR has an appropriate level of bad loans (0.7%).