Orrstown Q1 net income $21.8M ($1.12 EPS); deposits grow $98.7M, NIM down to 3.90%

ORRSTOWN FINANCIAL SERVICES INC

2026-Q1 EPS reported $1.12

Net income $21.8M, diluted EPS $1.12 vs $1.11 Q4'25 and $0.93 Q1'25; ROAA 1.59%, ROAE 14.76%.
Net interest margin (tax-equiv) 3.90%, 10 bp decline from 4.00% in Q4 2025 due to lower loan yields.
Loans +$40.6M (4% annualized), deposits +$98.7M, borrowings -$68.0M; loan-to-deposit 88%.
Noninterest income $15.6M (+$1.2M QoQ) from $2.4M life insurance death benefits; expenses down $0.7M.
Cash dividend $0.30/share payable May 12, record May 5; tangible book value $25.76 (+2.2% QoQ).

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.99

ORRSTOWN FINANCIAL SERVICES INC reported the quarter ended March 31, 2026 results: net income $21.8 million, EPS $1.12 per diluted share.

Period: the quarter ended March 31, 2026
Net income: $21.8 million
EPS: $1.12 per diluted share
Result: reported results

Exact text from the filing

herein in its entirety by reference. --- EX-99.1 (EX-99.1) --- FOR IMMEDIATE RELEASE: Orrstown Financial Services, Inc. Reports First Quarter 2026 Results • Net income of $21.8 million, or $1.12 per diluted share, for the three months ended March 31, 2026 compared to net income of $21.5 million, or $1.11 per diluted share, for the three months ended December

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Source: SEC EDGAR

accession 0001628280-26-026395

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