---
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"
generated_at: "2026-10-21T12:00:05.448725+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-066606
- JSON: https://secwatch.observer/filing/0001628280-26-066606.json
- Plain text: https://secwatch.observer/filing/0001628280-26-066606.txt

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