8-K current report · filed Apr 22, 2026

ORRSTOWN FINANCIAL SERVICES INC (ORRF) 8-K Current Report: April 22, 2026

Item 2.02Item 7.01Item EX-99.1ORRF overview

Short answer

ORRSTOWN FINANCIAL SERVICES INC (ORRF) filed an 8-K current report with the SEC on April 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Q1 2026 earnings release covers the quarter ended March 31, 2026.

ORRSTOWN FINANCIAL SERVICES INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Q1 2026 earnings release covers the quarter ended March 31, 2026
  • Press release issued April 21, 2026 and furnished as Exhibit 99.1
  • Investors should review Exhibit 99.1 for financial results and management commentary

Item 7.01 · Regulation FD Disclosure

  • Investor presentation furnished as Exhibit 99.2 alongside quarterly earnings release
  • Quarterly cash dividend declared at $0.30 per common share
  • Dividend payable May 12, 2026 to shareholders of record May 5, 2026

Item EX-99.1 · Exhibit EX-99.1

  • Q1 net income $21.8M, or $1.12 diluted EPS, up from $18.1M and $0.93 YoY
  • Revenue mix strengthened as noninterest income rose to $15.6M, including $2.4M from life-insurance death benefits
  • Loans grew $40.6M while deposits increased $98.7M, enabling $68.0M borrowing reduction and improving funding flexibility
  • Net interest margin declined to 3.90% from 4.00% sequentially as loan yields fell 13 basis points
  • Credit risk bears monitoring: nonaccrual loans rose to 0.74% from 0.70%, while quarterly net charge-offs increased to $0.9M

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