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AI brief of an SEC Form 8-K · ORRSTOWN FINANCIAL SERVICES INC (ORRF)

Orrstown Financial Q3 net income rises to $22.8 million, EPS $1.17

Positive Impact 3 of 5 earnings Written later

Orrstown Financial Services reported third quarter 2026 net income of $22.8 million, or $1.17 per diluted share, up from $21.2 million and $1.09 in the prior quarter and from $21.9 million and $1.13 a year earlier. The company also declared a $0.30 per share cash dividend, payable November 10, 2026, to shareholders of record as of November 3, 2026.

Key points

  • Net income of $22.8 million and diluted EPS of $1.17 for the quarter ended September 30, 2026, compared with $21.2 million and $1.09 for the quarter ended June 30, 2026
  • Net interest margin rose 25 basis points to 4.12% from 3.87% in the prior quarter; efficiency ratio improved to 56.0% from 60.1%
  • Nonaccrual loans fell to 0.54% of total loans from 0.58%; total deposits decreased by $38.1 million during the quarter
  • Cash dividend of $0.30 per common share, payable November 10, 2026, to holders of record as of November 3, 2026

The filing

CompanyORRSTOWN FINANCIAL SERVICES INC (ORRF)
Form8-K, current report
Filed with the SECOct 21, 2026, 7:55 AM ET
Accession number0001628280-26-066606

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 21, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.