| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 21,809 | 21,491 | 21,865 | 37,499 |
| Net discount accretion | 5,457 | 5,790 | 5,652 | 11,949 |
| Depreciation and amortization expense | 3,547 | 3,649 | 3,730 | 7,892 |
| Provision for (recovery of) credit losses - loans | 728 | 75 | 396 | -345 |
| Recovery of credit losses - unfunded loan commitments | -376 | 0 | 0 | -100 |
| Share-based compensation | 1,540 | 1,037 | 1,332 | 2,644 |
| Gains on sales of loans originated for sale | 183 | 446 | 284 | 557 |
| Fair value adjustments on loans held for sale | 89 | 34 | -4 | -27 |
| Mortgage loans originated for sale | 10,054 | 18,568 | 12,231 | 27,812 |
| Proceeds from sales of loans originated for sale | 12,872 | 18,916 | 11,699 | 29,804 |
| Net gain on oreo and premises held for sale | 0 | 0 | 0 | 119 |
| Net loss on disposal of premises and equipment | NaN | -26 | -11 | 18 |
| Deferred income tax expense | -2,612 | 647 | -538 | -6,108 |
| Investment securities losses (gains) | -2 | 95 | 50 | 21 |
| Provision for legal settlement | NaN | 0 | NaN | NaN |
| Net losses on derivatives | -27 | 71 | 50 | -393 |
| Gain on derivative terminations | NaN | NaN | 0 | NaN |
| Income from life insurance | 3,761 | 1,331 | 1,471 | 2,600 |
| Premium on branch sale | NaN | 0 | NaN | NaN |
| Decrease (increase) in accrued interest receivable and other assets | -1,042 | 2,519 | -4,307 | -3,641 |
| Increase (decrease) in accrued interest payable and other liabilities | 737 | 342 | -1,627 | -9,520 |
| Other, net | -363 | -386 | -306 | -517 |
| Net cash provided by operating activities | 25,537 | 16,489 | 22,815 | 35,430 |
| Proceeds from disposal of bank premises and equipment | NaN | 0 | 0 | 18 |
| Proceeds from sales of afs securities | NaN | 42,229 | 41,647 | NaN |
| Maturities, repayments and calls of afs securities | 23,389 | 24,751 | 21,132 | 39,330 |
| Purchases of afs securities | 23,051 | 124,946 | 57,670 | 89,663 |
| Net cash and cash equivalents received from acquisitions | NaN | 0 | 0 | NaN |
| Other | NaN | 0 | 0 | 15 |
| Net purchases of restricted investments in bank stocks | -2,733 | 2,606 | 2,907 | 972 |
| Net (increase) decrease in loans | 38,509 | 36,797 | 43,360 | -10,596 |
| Proceeds from sales of portfolio loans | NaN | 0 | 0 | NaN |
| Investment in limited partnerships, net | NaN | 1,538 | NaN | NaN |
| Investment in limited partnerships | -359 | NaN | 226 | 1,059 |
| Net cash paid in branch sale | NaN | 0 | NaN | NaN |
| Purchases of bank premises and equipment | 422 | 624 | 506 | 3,105 |
| Purchases of bank owned life insurance | NaN | 0 | 0 | NaN |
| Proceeds from disposal of oreo and premises held for sale | 0 | 0 | 0 | 2,182 |
| Death benefit proceeds from life insurance contracts | 4,427 | 0 | 864 | NaN |
| Net cash (used in) provided by investing activities | -32,359 | -98,246 | -41,026 | -42,688 |
| Net increase in deposits | 98,650 | -4,873 | 16,791 | -107,178 |
| Net decrease in borrowings with original maturities less than 90 days | -48,269 | -57,459 | 55,354 | 40,184 |
| Proceeds from fhlb advances with original maturities greater than 90 days | 95,000 | 115,000 | 20,000 | NaN |
| Payments on fhlb advances with original maturities greater than 90 days | 120,000 | 0 | 0 | 15,000 |
| Payments on subordinated notes | NaN | 0 | 32,500 | NaN |
| Dividends paid | 5,857 | 5,265 | 5,262 | 10,116 |
| Acquisition of treasury stock | 429 | 169 | 29 | 65 |
| Shares repurchased as treasury stock for employee taxes associated with restricted stock vesting | 970 | 8 | 1,523 | 478 |
| Proceeds from issuance of employee stock purchase plan shares | 75 | 0 | 85 | 66 |
| Other | -16 | 159 | 64 | 348 |
| Net cash provided by (used in) financing activities | 18,184 | 47,385 | 52,980 | -92,239 |
| Net increase in cash and cash equivalents | 11,362 | -34,372 | 34,769 | -99,497 |
| Cash and cash equivalents at beginning of period | 149,774 | 184,146 | 248,874 | NaN |
| Cash and cash equivalents at end of period | 161,136 | 149,774 | 184,146 | NaN |
ORRSTOWN FINANCIAL SERVICES INC (ORRF)
ORRSTOWN FINANCIAL SERVICES INC (ORRF)