{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-049110","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2026-07-22T12:00:19+00:00","discovered_at":"2026-07-22T12:05:00.244921+00:00","generated_at":"2026-07-22T12:05:07.453321+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Orrstown Q2 net income $21.2M ($1.09 EPS); NIM 3.87%; loans up 5% annualized; dividend $0.30","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-049110","json":"https://secwatch.observer/filing/0001628280-26-049110.json","markdown":"https://secwatch.observer/filing/0001628280-26-049110.md","text":"https://secwatch.observer/filing/0001628280-26-049110.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000162828026049110/0001628280-26-049110-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000162828026049110/orrf-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T12:05:07.453321+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"}