Orrstown Financial reports Q4 EPS $1.11, consensus $1.06

Reports Q4 CET1 capital ratio 11.5%. Reports Q4 tangible book value per share $25.21. “In 2025, Orrstown achieved the highest reported annual net income in the Company’s history,” said Thomas Quinn, president and CEO. “Margin performance, together with continued growth in noninterest income, resulted in strong earnings and capital generation throughout the year. This discipline was reflected in our performance in the fourth quarter of 2025 with a return on average assets of 1.55%. Loan growth was steady during the fourth quarter while we saw a few projected closings push into the first quarter of 2026. We remain confident in our robust pipeline and the ability of our experienced relationship bankers to continue to grow the loan portfolio responsibly. Our credit metrics and capital ratios remain sound. We believe that there are significant upside opportunities in front of us and that we are well-positioned to take advantage of them.”