---
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"
generated_at: "2026-05-17T02:54:23.854332+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/826154/000162828025045778/0001628280-25-045778-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/826154/000162828025045778/orrf-20251021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-045778
- JSON: https://secwatch.observer/filing/0001628280-25-045778.json
- Plain text: https://secwatch.observer/filing/0001628280-25-045778.txt

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