---
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"
generated_at: "2026-07-22T12:05:07.453321+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-049110
- JSON: https://secwatch.observer/filing/0001628280-26-049110.json
- Plain text: https://secwatch.observer/filing/0001628280-26-049110.txt

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