---
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"
generated_at: "2026-05-18T03:54:54.574124+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Orrstown Q2 net income $19.4M ($1.01 EPS); dividend raised to $0.27, share repurchase authorized

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000826154-25-000150
- JSON: https://secwatch.observer/filing/0000826154-25-000150.json
- Plain text: https://secwatch.observer/filing/0000826154-25-000150.txt

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