ORRSTOWN FINANCIAL SERVICES INC — Form 8-K
Filed October 21, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Orrstown Financial Services reported Q3 2026 net income of $22.8 million ($1.17 diluted EPS) vs. $21.2 million ($1.09 EPS) in Q2 2026. Net interest margin expanded 25 bps to 4.12% (or 4.00% adjusting for subordinated debt amortization). Loan growth was strong at 9% annualized ($95.3M increase to $4.2B), deposits declined modestly 3% annualized ($38.1M), and the allowance for credit losses was $46.8M (1.11% of loans).
Why this rating
Solid quarter showing margin recovery and loan growth, but modest in absolute terms relative to $596M market cap. No major strategic shifts.
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