STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
223
2010–2026
Total Volume
$151M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
222 total segments
Orrstown Bank has a strong focus on existing businesses, with 56% of their deals supporting established companies. This indicates they are well-suited for borrowers looking to expand or refinance existing operations.
With an average 7(a) spread of P+1.68%, Orrstown Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest for borrowers.
Despite their strong performance in the past, Orrstown Bank's SBA lending has seen a significant decline of 53% year-over-year. This trend may indicate a tightening of lending standards, making it potentially harder for new applicants to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 39 504 loans, which use fixed SBA debenture rates.
States where Orrstown Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Social Assistance
Health Care & Social Assistance
Other Professional Services
Professional Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Orrstown Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+1.50% | $260K | Q2 2023 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 7 | P+1.50% | $271K | Q4 2025 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 7 | P+1.00% | $77K | Q4 2022 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+1.50% | $79K | Q3 2021 |
| Pennsylvania · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+1.50% | $88K | Q4 2021 |
| Pennsylvania · Other Health Practitioners · Under $150K | 7(a) | 4 | P+1.88% | $108K | Q1 2019 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 4 | P+1.13% | $141K | Q2 2022 |
| Pennsylvania · Real Estate · Under $150K | 7(a) | 4 | P+1.88% | $75K | Q1 2023 |
| Pennsylvania · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+1.50% | $192K | Q1 2023 |
| Pennsylvania · Administrative & Waste Services · $150K – $350K | 7(a) | 3 | P+1.50% | $228K | Q3 2023 |
| Maryland · Specialty Trade Contractors · $350K – $500K | 7(a) | 3 | P+2.50% | $500K | Q4 2020 |
| Pennsylvania · Manufacturing · $2M – $5M | 7(a) | 3 | P+1.00% | $3.8M | Q3 2021 |
| Pennsylvania · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+2.00% | $1.4M | Q2 2019 |
| Maryland · Restaurants & Food Service · $1M – $2M | 504 | 3 | — | $1.4M | Q3 2017 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.00% | $450K | Q3 2022 |
| Pennsylvania · Sporting Goods & Hobby · Under $150K | 7(a) | 2 | P+1.63% | $113K | Q3 2020 |
| Maryland · Other Professional Services · Under $150K | 7(a) | 2 | P+2.00% | $120K | Q2 2018 |
| Maryland · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+1.88% | $774K | Q2 2021 |
| Pennsylvania · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+1.75% | $99K | Q1 2022 |
| Pennsylvania · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+1.75% | $267K | Q1 2022 |
| Pennsylvania · Accounting & Tax · Under $150K | 7(a) | 2 | P+2.38% | $53K | Q2 2020 |
| Pennsylvania · Nursing & Residential Care · $2M – $5M | 504 | 2 | — | $3.0M | Q4 2021 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 504 | 2 | — | $426K | Q3 2023 |
| Maryland · Social Assistance · $2M – $5M | 7(a) | 2 | P+1.38% | $4.6M | Q3 2018 |
| Pennsylvania · Manufacturing · $1M – $2M | 7(a) | 2 | P+2.00% | $1.2M | Q1 2024 |
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