---
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"
generated_at: "2026-05-23T08:42:19.442153+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000826154-25-000095
- JSON: https://secwatch.observer/filing/0000826154-25-000095.json
- Plain text: https://secwatch.observer/filing/0000826154-25-000095.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.