Welcome to our dedicated page for Orrstown Finl Svcs SEC filings (Ticker: ORRF), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Tracking a regional bank’s health means drilling into loan quality, deposit flows, and executive stock moves. Orrstown Financial Services Inc.’s SEC filings hold those answers, but finding the right table in a 200-page 10-K or catching a same-day Form 4 can feel overwhelming. Our platform lets you skip the hunt and focus on what matters for a community lender whose fortunes rise and fall with local businesses.
Start with the documents you search for most: the Orrstown Financial Services quarterly earnings report 10-Q filing breaks down net interest margin and allowance for credit losses, while the Orrstown Financial Services annual report 10-K simplified by our AI highlights deposit composition and regional real-estate exposure. Material announcements? The Orrstown Financial Services 8-K material events explained alert you to branch openings, credit agreements, or leadership changes. And if you watch management’s moves, our real-time feed of Orrstown Financial Services insider trading Form 4 transactions shows each executive stock purchase or sale the moment it posts. Key questions investors type—“Orrstown Form 4 insider transactions real-time” or “Orrstown proxy statement executive compensation”--are answered here with plain-English summaries.
Behind every document, Stock Titan’s AI parses footnotes, flags credit-risk trends, and converts technical jargon into clear takeaways—understanding Orrstown Financial Services SEC documents with AI becomes effortless. Receive instant alerts for
- executive stock transactions Form 4
- quarterly earnings report filing analysis
- 8-K event disclosures
Fourthstone and related reporting persons disclosed a beneficial ownership stake of 1,258,740 shares in Orrstown Financial Services, Inc. (ORRF), equal to 6.45% of the outstanding common stock based on 19,061,344 shares outstanding as of March 31, 2025. The filing itemizes holdings across affiliated entities, including Fourthstone Master Opportunity Fund Ltd. with 984,077 shares (5.04%), Fourthstone GP LLC with 274,663 shares (1.41%), Fourthstone QP Opportunity Fund LP with 262,901 shares (1.35%), and Fourthstone Small-Cap Financials Fund LP with 11,762 shares (0.06%).
The Reporting Persons state these shares were acquired and are held in the ordinary course of business and were not acquired to change or influence control of the issuer. The Schedule 13G/A discloses ownership details and voting/dispositive power across the listed Fourthstone entities and L. Phillip Stone, IV, consistent with a passive investor reporting under the applicable rules.
Orrstown Financial Services reported substantially higher profitability in the first half of 2025 driven by stronger interest income and fee revenues. For the six months ended June 30, 2025 the company earned $37.5 million in net income versus $16.3 million a year earlier, and diluted earnings per share rose to $1.94 from $1.55. Net interest income more than doubled year-over-year to $98.3 million for six months, reflecting higher loan interest income of $126.5 million compared with $71.8 million a year ago. Noninterest income also increased to $24.5 million, helping offset higher operating expenses.
The balance sheet shows total assets of $5.39 billion and total deposits of $4.52 billion at June 30, 2025. Shareholders' equity increased to $548.4 million. The company completed its July 1, 2024 merger with Codorus Valley, recording $51.0 million of goodwill and identifiable intangibles including $40.1 million of core deposit intangibles. Allowance for credit losses on loans was $47.9 million and the company recorded no ACL on available-for-sale securities despite aggregate unrealized losses of $37.2 million, which management attributes to market rate movements.
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