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.

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  • FY2025 10-K risk factors

    48 risks, 5 new, 4 dropped, 4 reworded since the prior year. 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