Financial insights of ORRF

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$21,809K
EPS
$1.12
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans	62,995	64,264*	65,751	63,036
Investment securities - taxable	9,851	9,509*	9,367	9,406
Investment securities - tax-exempt	881	877*	881	878
Short-term investments	637	1,967*	1,123	1,513
Total interest income	74,364	76,616*	77,122	74,833
Deposits	21,986	24,098*	22,639	22,855
Securities sold under agreements to repurchase and federal funds purchased	97	83*	107	106
Fhlb advances and other borrowings	2,355	2,079*	1,791	1,030
Subordinated notes and trust preferred debt	921	502*	1,597	1,330
Total interest expense	25,359	26,760*	26,134	25,321
Net interest income	49,005	49,856*	50,988	49,512
Provision for credit losses - loans	-	-	396	209
Provision for (recovery of) credit losses - loans	728	32*	-	-
Recovery of credit gaines - unfunded loan commitments	-376	50*	0	-100
Net interest income after net provision for (recovery of) credit losses	48,653	49,774*	50,592	49,403
Service charges on deposit accounts	2,250	2,006*	2,014	2,050
Interchange income	1,513	1,450*	1,620	1,441
Other service charges, commissions and fees	621	801*	983	580
Swap fee income	1,339	764*	816	669
Trust and investment management income	3,744	4,164*	3,636	3,572
Brokerage income	1,813	1,719*	1,641	1,695
Mortgage banking activities	326	305*	522	478
Income from life insurance	3,761	1,229*	1,471	1,311
Investment securities (losses) gains	-2	79*	50	8
Other income	212	353*	629	1,111
Total noninterest income	15,577	12,868*	13,382	12,915
Salaries and employee benefits	21,157	20,967*	21,439	21,364
Occupancy	2,081	2,107*	1,907	1,671
Furniture and equipment	2,140	2,442*	2,168	2,540
Data processing	1,537	1,176*	1,116	965
Automated teller and interchange fees	1,139	934*	892	615
Advertising and bank promotions	683	445*	154	1,077
Fdic insurance	549	844*	652	674
Professional services	1,221	1,914*	1,703	2,016
Directors' compensation	414	258*	350	293
Taxes other than income	1,025	955*	828	295
Intangible asset amortization	2,239	2,442*	2,410	2,472
Merger-related expenses	0	1,165*	0	968
Provision for legal settlement	-	0*	-	-
Restructuring expenses	0	91*	0	0
Other operating expenses	2,543	2,839*	2,678	2,664
Total noninterest expenses	36,728	38,576*	36,297	37,614
Income before income tax expense	27,502	24,066*	27,677	24,704
Income tax expense	5,693	5,180*	5,812	5,256
Net income	21,809	18,886	21,865	19,448

Basic EPS	1.13	0.983	1.14	1.01
Diluted EPS	1.12	0.976	1.13	1.01
Basic Average Shares	19,274,000	19,206,000	19,224,000	19,173,000
Diluted Average Shares	19,410,000	19,359,000	19,364,000	19,342,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$21,809K
EPS
$1.12
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$21,809K
EPS
$1.12
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$21,809KEPS$1.12Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$21,809KEPS$1.12Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$21,809K
EPS
$1.12
Unit: Thousand (K) dollars

Net Income
$21,809K
EPS
$1.12
Unit: Thousand (K) dollars