Orrstown Q2 net income $21.2M ($1.09 EPS); NIM 3.87%; loans up 5% annualized; dividend $0.30

ORRSTOWN FINANCIAL SERVICES INC

Net income $21.2M ($1.09 diluted EPS) vs $21.8M ($1.12) in Q1 2026 and $19.4M ($1.01) in Q2 2025.
Net interest margin (tax-equivalent) 3.87% vs 3.90% Q1; adjusted NIM 4.00% excluding subordinated note fair value mark amortization.
Loans held for investment increased $51.7M (5% annualized) to $4.1B; nonaccrual loans fell to 0.58% from 0.74%.
Redeemed $31M 4.50% subordinated notes on June 30; recorded $1.6M fair value mark amortization in interest expense.
Board declared $0.30/share dividend payable Aug 11, 2026; tangible book value per share rose to $26.71 from $25.76.

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