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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.Q2 2025 earnings summary23 Jul, 2025
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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Next Orrstown Financial Services earnings date
Q3 202522 Oct, 2025
Next Orrstown Financial Services earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Orrstown Financial Services, Inc. operates as the holding company for Orrstown Bank, offering a range of financial services primarily in Pennsylvania and Maryland. The company provides commercial banking services, including various loan products such as commercial, residential mortgage, consumer, and agribusiness loans. Additionally, it offers deposit services, including checking, savings, time, and money market accounts. Orrstown also delivers trust and investment services, acting as a trustee, executor, and investment advisor, along with providing fiduciary and brokerage services. The company's operations are concentrated in the Central Pennsylvania and Maryland regions. Orrstown Financial Services, Inc. is headquartered in Shippensburg, Pennsylvania, and its shares are listed on the NASDAQ.
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