---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-026395"
form_type: "8-K"
ticker: "ORRF"
cik: "0000826154"
company_name: "ORRSTOWN FINANCIAL SERVICES INC"
filed_at: "2026-04-22T23:59:59+00:00"
generated_at: "2026-05-15T04:59:35.033001+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001628280-26-026395
- form_type: 8-K
- ticker: ORRF
- cik: 0000826154
- company_name: ORRSTOWN FINANCIAL SERVICES INC
- filed_at: 2026-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/826154/000162828026026395/0001628280-26-026395-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/826154/000162828026026395/orrf-20260421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-026395
- JSON: https://secwatch.observer/filing/0001628280-26-026395.json
- Plain text: https://secwatch.observer/filing/0001628280-26-026395.txt

## Key facts
- Earnings Releases
  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
  source text: 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
  evidence_url: https://www.sec.gov/Archives/edgar/data/826154/000162828026026395/0001628280-26-026395-index.htm

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