Risk factors

Orrstown Financial Services (ORRF) risk factors

Item 1A of every Orrstown Financial Services Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    48 risks5 new4 dropped4 reworded

    Integration risks from the Codorus Valley Merger were removed after completion.

    Filed Mar 12, 2026
  • FY2024 10-K risk factors
    47 risks

    Orrstown Financial Services depends heavily on regional economic conditions in south central Pennsylvania, Baltimore, and Washington County, Maryland. Commercial real estate loans and recent mergers, specifically the Codorus Valley Merger, dominate its risk profile. Strict capital requirements and interest rate exposure shape the bank's operational constraints.

    Filed Mar 31, 2025