Orrstown Financial Services is the holding company for Orrstown Bank, a community bank serving south central Pennsylvania and the greater Baltimore/Washington County, Maryland region. The bank has operated since 1919 and holds approximately $5.5B in total assets following its 2024 acquisition of Codorus Valley Bancorp for $233.4M. Orrstown's core business is commercial and consumer lending and deposit-taking across its Pennsylvania and Maryland footprint. Commercial lending dominates the loan portfolio at roughly 75%, including commercial real estate, C&I, construction, and working capital loans to businesses in the Harrisburg, Lancaster, and Maryland markets. Consumer and residential lending, including home equity and mortgage products, rounds out the remainder. The bank makes money primarily through net interest income — the spread between loan and investment yields and deposit costs — with a net interest margin of approximately 4%, which management considers near the top of its peer group. Fee income supplements NII, representing roughly 21% of total operating revenue, driven by wealth management, swap fees, treasury management, and mortgage banking. Orrstown's wealth management arm, OFA, manages approximately $3.1B in AUM and is the largest contributor to fee income. The bank's growth strategy focuses on organic loan growth of 5%+ in 2026, expanding wealth management through talent acquisition, and growing treasury management and other fee income sources.