ORRSTOWN FINANCIAL SERVICES INC
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
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FY2025 · Filed Mar 12, 2026
ORRF$44.44+1.4%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets
| December 31, | ||
|---|---|---|
| (Dollars in thousands, except per share amounts) | 2025 | 2024 |
| Assets | ||
| Cash and due from banks | $42,083 | $51,026 |
| Interest-bearing deposits with banks | 107,691 | 197,848 |
| Cash and cash equivalents | 149,774 | 248,874 |
| Restricted investments in bank stocks | 26,717 | 20,232 |
| Securities available-for-sale (amortized cost of $972,138 and $864,920 at December 31, 2025 and 2024, respectively) | 952,740 | 829,711 |
| Loans held for sale, at fair value | 6,090 | 6,614 |
| Loans | 4,020,693 | 3,931,214 |
| Less: Allowance for credit losses | (47,681) | (48,689) |
| Net loans | 3,973,012 | 3,882,525 |
| Premises and equipment, net | 51,029 | 50,217 |
| Cash surrender value of life insurance | 146,994 | 143,854 |
| Goodwill | 69,751 | 68,106 |
| Other intangible assets, net | 37,990 | 47,765 |
| Accrued interest receivable | 21,473 | 21,058 |
| Deferred tax assets, net | 33,931 | 42,647 |
| Other assets | 72,754 | 79,986 |
| Total assets | $5,542,255 | $5,441,589 |
| Liabilities | ||
| Deposits: | ||
| Noninterest-bearing | $870,906 | $894,176 |
| Interest-bearing | 3,657,868 | 3,728,920 |
| Total deposits | 4,528,774 | 4,623,096 |
| Securities sold under agreements to repurchase and federal funds purchased | 24,542 | 25,863 |
| FHLB advances and other borrowings | 274,701 | 115,364 |
| Subordinated notes and trust preferred debt | 37,122 | 68,680 |
| Other liabilities | 85,581 | 91,904 |
| Total liabilities | 4,950,720 | 4,924,907 |
| Commitments and contingencies | ||
| Shareholders’ Equity | ||
| Preferred stock, $1.25 par value per share; 500,000 shares authorized; no shares issued or outstanding | — | — |
| Common stock, no par value—$0.05205 stated value per share 50,000,000 shares authorized; 19,711,628 shares issued and 19,507,208 outstanding at December 31, 2025; 19,722,640 shares issued and 19,389,967 outstanding at December 31, 2024 | 1,026 | 1,027 |
| Additional paid—in capital | 424,596 | 423,274 |
| Retained earnings | 186,752 | 126,540 |
| Accumulated other comprehensive loss | (15,201) | (26,316) |
| Treasury stock— 204,420 and 332,673 shares, at cost, at December 31, 2025 and 2024, respectively | (5,638) | (7,843) |
| Total shareholders’ equity | 591,535 | 516,682 |
| Total liabilities and shareholders’ equity | $5,542,255 | $5,441,589 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.