Orrstown Q3 net income $21.9M, EPS $1.13; record earnings, loan growth 5%

ORRSTOWN FINANCIAL SERVICES INC

2025-Q3 EPS reported $3.07

Net income $21.9M, diluted EPS $1.13; Q2 2025: $19.4M, $1.01; Q3 2024: net loss $7.9M, -$0.41.
Net interest margin (tax-equiv) 4.11%, up 4bp QoQ; purchase accounting added 52bp.
Loans grew $48.4M (~5% annualized) to $4.0B; classified loans down $1.7M to $64.1M.
Redeemed $32.5M subordinated notes on Sept 30; accelerated amortization of $0.3M.
Board declared $0.27/sh dividend payable Nov 12 to holders of record Nov 5.

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