{"schema_version":"secwatch.filing_event.v1","accession":"0000826154-25-000012","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.451998+00:00","generated_at":"2026-05-27T05:01:56.660652+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Orrstown Q4 net income $13.7M ($0.71 EPS); raises dividend 13% to $0.26","bullets":["Net income of $13.7M vs Q3 net loss of $7.9M; adjusted net income $16.7M ($0.87 EPS).","Quarterly dividend increased 13% to $0.26 per share, payable Feb 21, 2025.","Net interest margin (tax-equivalent) 4.05% vs 4.14% prior Q; net accretion of $7.2M.","Loans declined $50.2M to $3.9B due to strategic de-risking; classified loans down $16.9M.","Achieved 18% cost-save target for combined operating run rate; merger expenses $3.9M vs $17M Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0000826154-25-000012","json":"https://secwatch.observer/filing/0000826154-25-000012.json","markdown":"https://secwatch.observer/filing/0000826154-25-000012.md","text":"https://secwatch.observer/filing/0000826154-25-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000012/0000826154-25-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000012/orrf-20250131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:01:56.660652+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}