Orrstown Financial Services, Inc. filed its quarterly report on Form 10-Q with the SEC on November 9, 2026, covering the period ended September 30, 2026, and reporting total assets of $5.707 billion alongside net interest income of $53.320 million for the third quarter.

Key Highlights

  • Total assets: $5.707 billion at September 30, 2026, up from $5.542 billion at December 31, 2025, according to the filing.
  • Net interest income: $53.320 million for the three months ended September 30, 2026, compared with $50.988 million for the same period in 2025.
  • Net loans: $4.162 billion at September 30, 2026, compared with $3.973 billion at December 31, 2025.
  • Total deposits: $4.582 billion at September 30, 2026, versus $4.529 billion at December 31, 2025.
  • Allowance for credit losses: $46.775 million at September 30, 2026, down from $47.681 million at December 31, 2025.
  • Shares outstanding: 19,670,559 shares of common stock as of November 5, 2026.
  • Total shareholders' equity: $605.200 million at September 30, 2026, compared with $591.535 million at December 31, 2025.

Orrstown Financial Services Q3 2026 Financial Condition and Results

According to the filing, Orrstown Financial Services, Inc. (NASDAQ:ORRF) reported total assets of $5.707 billion at September 30, 2026, an increase from $5.542 billion at December 31, 2025. Total loans grew to $4.208 billion from $4.021 billion over the same period, while net loans, after the allowance for credit losses, reached $4.162 billion. Total deposits rose to $4.582 billion, with noninterest-bearing deposits at $896.069 million and interest-bearing deposits at $3.686 billion.

The company disclosed net interest income of $53.320 million for the three months ended September 30, 2026, up from $50.988 million in the prior-year quarter. For the nine months ended September 30, 2026, net interest income was $151.156 million, compared with $149.261 million for the nine months ended September 30, 2025. Total interest income for the third quarter was $77.736 million versus $77.122 million in the year-ago quarter, while total interest expense declined to $24.416 million from $26.134 million. The filing also reported a provision for credit losses on loans of $1.126 million for the third quarter, compared with $396 thousand in the prior-year quarter.

Total noninterest income for the three months ended September 30, 2026 was $13.378 million, essentially flat with $13.382 million in the same period of 2025. For the nine-month period, noninterest income was $42.791 million versus $37.921 million in the prior year, according to the filing. Accumulated other comprehensive loss widened to $52.318 million at September 30, 2026 from $15.201 million at December 31, 2025. FHLB advances and other borrowings increased to $417.252 million from $274.701 million, while subordinated notes and trust preferred debt declined to $8.109 million from $37.122 million over the same period.

What Was Disclosed

Orrstown Financial Services filed its Form 10-Q for the quarter ended September 30, 2026, disclosing balance sheet growth, higher net interest income relative to the prior year, and changes in borrowing composition, alongside loan growth and a slight reduction in the allowance for credit losses.