Daniel Cardenas

David Long

Gregory Zingone

Timothy Switzer

Dan Cardenas

John Schneider

Tim Switzer

- Orrstown Financial Services reported **diluted EPS of $1.13** for Q3 2025, with a **return on assets of 1.60%** and **return on equity of nearly 16%**.  **[0000826154_2195495_0]** **[0000826154_2195495_1]**  The company also saw non-interest expense decline by **$1.3 million** quarter-over-quarter, leading to an improved efficiency ratio of **56.4%**.  **[0000826154_2195495_0]** 
- The company achieved **4.9% annualized loan growth** in Q3 2025, with net interest margin (NIM) increasing to **4.11%** from 4.07% in the prior quarter.  **[0000826154_2195495_0]** **[0000826154_2195495_1]** 
- Credit quality remains sound, with **nominal net charge-offs** and classified loans decreasing by **$1.7 million** to **$64.1 million**.  **[0000826154_2195495_1]**  Non-accrual loans increased by **$3.8 million** to **$26.2 million**, primarily due to one commercial construction and development relationship.  **[0000826154_2195495_1]** 
- Management expects the NIM to remain in the **4.0% to 4.15% range** despite potential rate cuts, due to proactive deposit pricing adjustments and competitive loan pricing.  **[0000826154_2195495_4]**  The company also provided an early **5% loan growth guide for next year**, focusing on CRE and C&I segments.  **[0000826154_2195495_5]**

Orrstown Financial Services Reports Strong Q3 2025 Results and Provides Outlook

- **Orestown Financial Services Inc. (ORRF) reported record diluted EPS of $1.13 and net income of $21,900,000 for Q3 2025**.  **[0000826154_2195536_0]** **[0000826154_2195536_2]** 
- The company achieved **4.9% annualized loan growth** in Q3 2025, with the net interest margin (NIM) improving to **4.11%** from 4.07% in the previous quarter.  **[0000826154_2195536_0]** 
- Non-interest expense declined by **$1,300,000** quarter-over-quarter, leading to an improved efficiency ratio of **56.4%** from 60.3%.  **[0000826154_2195536_0]** **[0000826154_2195536_2]** 
- Classified loans decreased by **$1,700,000** to **$64,100,000**, though non-accrual loans increased by **$3,800,000** to **$26,200,000**.  **[0000826154_2195536_1]** 
- Management projects the NIM to be in the **4.00% to 4.15% range** going forward, anticipating potential contraction due to expected rate cuts, which they aim to mitigate through pricing strategies.  **[0000826154_2195536_4]** **[0000826154_2195536_6]**

Orestown Financial Services Inc. Reports Strong Q3 2025 Earnings

- For Q3 2025, ORRF reported **Net Income** of **$21.9 million** and **Diluted EPS** of **$1.13**.  **[0000826154_2195303:6]** **[0000826154_2195303:12]**  The company achieved an annualized **Return on Average Assets (ROAA)** of **1.60%** and **Return on Average Equity (ROAE)** of **15.72%**.  **[0000826154_2195303:6]** **[0000826154_2195303:12]** 
- The **Net Interest Margin** improved to **4.11%** in Q3 2025, a four basis point increase from the prior quarter, contributing to **Net Interest Income** of **$51.0 million**.  **[0000826154_2195303:8]** 
- **Non-Interest Income** rose to **$13.4 million**, while **Non-Interest Expenses** decreased to **$36.3 million**, resulting in an improved **Efficiency Ratio** of **56.4%** for Q3 2025.  **[0000826154_2195303:6]** **[0000826154_2195303:9]** **[0000826154_2195303:10]** 
- Total **Loans** reached **$3,980 million** and **Deposits** totaled **$4,534 million** at the end of Q3 2025, with a **loan-to-deposit ratio** of **88%**.  **[0000826154_2195303:13]** **[0000826154_2195303:14]** 
- ORRF provided guidance through 2026, projecting **annualized loan growth of 5.0%** and a **Net Interest Margin** in the range of **4.00% to 4.15%**.  **[0000826154_2195303:16]**

ORRF Announces Strong Q3 2025 Financial Results and Provides 2026 Guidance

- Orrstown Financial Services, Inc. reported **net income of $21.9 million** and **diluted earnings per share of $1.13** for the three months ended September 30, 2025, which the CEO noted as the strongest quarter of earnings on record.  **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:1]** **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:2]** 
- The company's profitability metrics improved, with **return on average assets at 1.60%** and **return on average equity at 15.72%** for the third quarter of 2025, and the efficiency ratio decreased to **56.4%**.  **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:1]** 
- Loans increased by **$48.4 million** to **$4.0 billion** at September 30, 2025, and deposits grew by **$16.9 million** to **$4.5 billion**.  **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:3]** 
- Orrstown redeemed **$32.5 million** in subordinated notes on September 30, 2025, while maintaining strong capital ratios, with tangible common equity at **8.8%** and a Tier 1 leverage ratio of **9.3%** at quarter-end.  **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:1]** **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:3]** **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:7]** **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:18]** 
- The Board of Directors declared a cash dividend of **$0.27 per common share**, payable November 12, 2025.  **[826154_0001628280-25-045778_ex9912025-q3earningsrelease.htm:1]**

Orrstown Financial Services, Inc. Reports Strong Third Quarter 2025 Results

- Orrstown Financial Services, Inc. reported a **net income of $21.9 million**, or **$1.13 per diluted share**, for the three months ended September 30, 2025, an increase from **$19.4 million**, or **$1.01 per diluted share**, for the three months ended June 30, 2025.  **[826154_506ebbfd33c4471889462678ca28b19a_0]** **[826154_506ebbfd33c4471889462678ca28b19a_1]** 
- The company's profitability ratios improved, with **return on average assets at 1.60%** and **return on average equity at 15.72%** for the third quarter of 2025, compared to 1.45% and 14.56% respectively for the second quarter of 2025.  **[826154_506ebbfd33c4471889462678ca28b19a_0]** 
- Operational efficiency saw improvement, as **noninterest expenses decreased by $1.3 million** to **$36.3 million** and the **efficiency ratio decreased to 56.4%** for the three months ended September 30, 2025, from $37.6 million and 60.3% respectively for the prior quarter.  **[826154_506ebbfd33c4471889462678ca28b19a_0]** 
- Loans increased by **$48.4 million**, or approximately 5% annualized, from June 30, 2025, to September 30, 2025, and **tangible book value per common share increased to $24.12** at September 30, 2025, from $22.77 at June 30, 2025.  **[826154_506ebbfd33c4471889462678ca28b19a_0]** 
- The Board of Directors declared a cash dividend of **$0.27 per common share**.  **[826154_506ebbfd33c4471889462678ca28b19a_0]**

ORRSTOWN FINANCIAL SERVICES (ORRF)