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Orrstown Financial Services (ORRF) investor relations material
Orrstown Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $19.4M ($1.01 per diluted share), up 151% year-over-year and 7.7% sequentially; adjusted net income was $20.2M ($1.04), with merger-related expenses now largely complete.
Strong GAAP and core earnings, with profitability metrics at the high end of peers and merger synergies realized.
Board declared a $0.27 per share dividend, a $0.01 increase, and authorized a repurchase program for up to 500,000 shares.
Tangible book value per share rose to $22.77 at June 30, 2025.
Results reflect the impact of the Codorus Valley merger, with significant increases in net interest and noninterest income.
Financial highlights
Net interest income for Q2 2025 was $49.5M; net interest margin improved to 4.07% from 4.00% in Q1.
Noninterest income rose to $12.9M, up $1.3M quarter-over-quarter, driven by swap fees, treasury management, and mortgage banking.
Noninterest expense declined to $37.6M, including $1M in merger costs and $600K in severance.
Efficiency ratio, excluding merger expenses, improved to 58.7% from 60.5% in Q1.
Loans increased by $55.4M (6% annualized) from Q1 2025; deposits decreased by $117.1M.
Outlook and guidance
Loan growth guidance for the remainder of 2025 is 5% annualized, with margin expected in the 4.05%–4.15% range.
Fee income run rate projected at $11.5M–$12.5M per quarter; noninterest expense run rate targeted at $35M–$36M.
Efficiency ratio expected to approach 55% early next year.
Effective tax rate projected at 21%, assuming stable economic conditions.
Management expects no further meaningful merger-related expenses and sees strong credit metrics and capital generation positioning the company well for future growth.
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