Orrstown (ORRF) Q4 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Tue, April 21, 2026 astatine 10:06 AM CDT 21 min read

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Jan. 28, 2026 astatine 9 a.m. ET

• President & Chief Executive Officer — Thomas Quinn

• Senior Executive Vice President & Chief Operating Officer — Adam Metz

• Executive Vice President & Chief Financial Officer — Neelesh Kalani

• Chief Revenue Officer — Zachary Khuri

• Chief Risk Officer — Robert Coradi

• Chief Credit Officer — David Chajkowski

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Thomas Quinn: Thank you, operator, and bully morning. I'd similar to convey everyone for participating successful Orrstown's Fourth Quarter 2025 Earnings Conference Call, some by telephone and done the webcast. If you person not work the net merchandise we issued yesterday afternoon, you whitethorn entree it on with the fiscal tables and schedules by going to our website, www.orrstown.com. Once there, you tin click connected the Investor Relations nexus and past the Events and Presentations link. Also, earlier we start, I would similar to notation that today's presumption whitethorn incorporate forward-looking information. Cautionary statements astir the accusation are included successful the net release, the capitalist presumption and our SEC filings. The net merchandise and capitalist presentations besides see non-GAAP fiscal measures.

The due reconciliations to GAAP are included successful those documents. Joining maine connected the telephone this greeting are Orrstown's Senior Executive Vice President and Chief Operating Officer, Adam Metz; arsenic good arsenic our Executive Vice President and Chief Financial Officer, Neil Kalani; our Chief Revenue Officer, Zach Khuri; Chief Risk Officer, Bob Coradi; and our Chief Credit Officer, Dave Chajkowski, volition besides enactment successful the call. Our fiscal highlights: Orrstown achieved the highest reported yearly nett income successful the company's past of 106 years. Net income was $80.9 cardinal oregon $4.18 per diluted share. Our instrumentality connected mean equity was 14.76%, instrumentality connected mean assets was 1.49%.

Net involvement borderline came successful astatine 4.04% and interest income of $52.3 cardinal contributed to 21% of the full operating income. We demonstrated our quality to support nett involvement borderline adjacent apical of peers, enhanced interest income and created efficiencies, each portion maintaining our absorption connected starring with risk. Regularly investing successful the aboriginal remains a cardinal strategy for the bank. We brought successful respective talented squad members successful 2026 and volition proceed to bash so. With that has travel a beardown indebtedness pipeline and enhanced maturation opportunities going forward. Overall, it was a highly palmy twelvemonth for Orrstown, peculiarly with the galore challenges presented to america on the way.