{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-045778","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.279633+00:00","generated_at":"2026-05-17T02:54:23.854332+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 Q3 net income $21.9M, EPS $1.13; record earnings, loan growth 5%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-045778","json":"https://secwatch.observer/filing/0001628280-25-045778.json","markdown":"https://secwatch.observer/filing/0001628280-25-045778.md","text":"https://secwatch.observer/filing/0001628280-25-045778.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000162828025045778/0001628280-25-045778-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000162828025045778/orrf-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:54:23.854332+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"}