{"schema_version":"secwatch.filing_event.v1","accession":"0000826154-25-000150","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.458783+00:00","generated_at":"2026-05-18T03:54:54.574124+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Orrstown Q2 net income $19.4M ($1.01 EPS); dividend raised to $0.27, share repurchase authorized","bullets":["Net income $19.4M ($1.01 diluted EPS) vs $18.1M ($0.93) prior quarter; adjusted EPS $1.04.","Net interest margin (tax-equiv) 4.07%, up 7 bp from Q1; loans grew 6% annualized ($55.4M).","Deposits declined $117.1M to $4.5B; loan-to-deposit ratio rose to 87%.","Dividend increased to $0.27/share (+$0.01) payable Aug 12; $500K share buyback authorized.","Tangible book value $22.77 (up $0.78); tangible common equity ratio 8.3% vs 7.9%."],"urls":{"canonical":"https://secwatch.observer/filing/0000826154-25-000150","json":"https://secwatch.observer/filing/0000826154-25-000150.json","markdown":"https://secwatch.observer/filing/0000826154-25-000150.md","text":"https://secwatch.observer/filing/0000826154-25-000150.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000150/0000826154-25-000150-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000082615425000150/orrf-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:54:54.574124+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"}