{"schema_version":"secwatch.filing_event.v1","accession":"0000826154-25-000095","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.410617+00:00","generated_at":"2026-05-23T08:42:19.442153+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Orrstown Financial Q1 net income $18.1M, EPS $0.93; adjusted EPS $1.00","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000826154-25-000095","json":"https://secwatch.observer/filing/0000826154-25-000095.json","markdown":"https://secwatch.observer/filing/0000826154-25-000095.md","text":"https://secwatch.observer/filing/0000826154-25-000095.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000095/0000826154-25-000095-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000095/orrf-20250422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:42:19.442153+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"}