Orrstown Q3 2026 net income $22.8M, EPS $1.17; NIM rises 25 bp to 4.12%

ORRSTOWN FINANCIAL SERVICES INC

Net income $22.8M, or $1.17 diluted EPS, vs $21.9M/$1.13 in Q3 2025 and $21.2M/$1.09 in Q2 2026.
Tax-equivalent NIM 4.12%, up 25 bp QoQ from 3.87% (4.00% excluding Q2 subordinated-note fair-value amortization); net interest income $53.3M.
Loans grew $95.3M, or 9% annualized, to $4.2B; deposits fell $38.1M (3% annualized); loan-to-deposit ratio 92% vs 89%.
Efficiency ratio improved to 56.0% from 60.1%; classified loans fell 8% to $45.2M and nonaccrual loans/total loans eased to 0.54% from 0.58%.
Board declared $0.30/share dividend payable Nov. 10, 2026 to holders of record Nov. 3; tangible book value fell to $25.96 from $26.71 on a $34.5M AOCI loss.

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