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Orrstown Financial Services (ORRF) investor relations material
Orrstown Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Achieved record quarterly earnings with net income of $21.9 million ($1.13 per diluted share), ROA of 1.60%, and ROE near 16%, outperforming peers and prior quarters.
Annualized loan growth reached 4.9%–5%, with strong commercial and residential mortgage performance post-merger.
Fee income remained robust, accounting for nearly 21% of operating revenue for the second consecutive quarter.
Non-interest expense declined by $1.3 million quarter-over-quarter, with no merger-related costs in Q3 2025.
Capital ratios remain strong despite a decline from $32.5 million subordinated debt redemption.
Financial highlights
Net income was $21.9 million, with diluted EPS of $1.13, up from $1.01 in Q2 2025.
Net interest margin increased to 4.11% from 4.07% sequentially, with net interest income at $51.0 million.
Noninterest income rose to $13.4 million, nearly 21% of revenues.
Noninterest expenses decreased to $36.3 million, with efficiency ratio improving to 56.4% from 60.3%.
Tangible book value per share rose to $24.12, and allowance coverage ratio stood at 1.21%.
Outlook and guidance
Net interest margin expected to remain in the 4.0% to 4.15% range, with minor impact from potential Fed rate cuts.
Loan growth guidance for next year is around 5%, with focus on CRE and middle market C&I.
Noninterest income projected at $48.0–$52.0 million annually; noninterest expenses at $142.0–$146.0 million.
Quarterly non-interest income expected to normalize at $12.5–$13 million; non-interest expense run rate projected at $36 million plus inflation.
Effective tax rate guidance of approximately 21%.
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