Orrstown Financial Q1 net income $18.1M, EPS $0.93; adjusted EPS $1.00

ORRSTOWN FINANCIAL SERVICES INC

2025-Q1 EPS reported $0.93

Net income $18.1M ($0.93 diluted) vs $13.7M ($0.71) in Q4 2024 and $8.5M ($0.81) in Q1 2024.
Adjusted net income $19.3M ($1.00 diluted) excludes $1.6M merger-related expenses.
Net interest margin 4.00% (tax-equivalent) vs 4.05% in Q4; purchase accounting added 51 bps.
Commercial loans declined $49.7M (2%) due to strategic risk reduction; provision recovery of $0.6M.
Board declared $0.26/sh dividend payable May 13, 2025; total risk-based capital ratio 13.1% (well capitalized).

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