{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-066606","form_type":"8-K","ticker":"ORRF","cik":"0000826154","company_name":"ORRSTOWN FINANCIAL SERVICES INC","filed_at":"2026-10-21T11:55:42+00:00","discovered_at":"2026-10-21T12:00:00.195747+00:00","generated_at":"2026-10-21T12:00:05.448725+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Orrstown Q3 2026 net income $22.8M, EPS $1.17; NIM rises 25 bp to 4.12%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-066606","json":"https://secwatch.observer/filing/0001628280-26-066606.json","markdown":"https://secwatch.observer/filing/0001628280-26-066606.md","text":"https://secwatch.observer/filing/0001628280-26-066606.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/826154/000162828026066606/0001628280-26-066606-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/826154/000162828026066606/orrf-20261020.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T12:00:05.448725+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"}