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Visual22 Oct 2025
Epiroc's cash spent on M&A
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.Q3 2025 earnings summary22 Oct, 2025
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%.
Subordinated debt redemption's capital impact?
Non-accrual loan increase drivers?
What drove the NIM increase in Q3?
What actions offset NIM compression from rate cuts?
Detail the largest classified loan exposures?
What is the lending focus for 5% loan growth?
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Next Orrstown Financial Services earnings date
Q4 202530 Jan, 2026
Next Orrstown Financial Services earnings date
Q4 202530 Jan, 2026
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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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