Orrstown Financial Services reported fourth-quarter earnings of $1.11 per share, surpassing the Zacks Consensus Estimate of $1.08 and representing a 28% increase from $0.87 in the year-ago quarter. Revenue for the period rose 12% year-over-year, driven by higher loan production and net interest income expanding as rates firmed. Noninterest income also contributed, with service fees and mortgage banking revenues up 8% compared to Q4 2024. The bank’s efficiency ratio improved to 58.2% from 62.5% a year earlier, reflecting disciplined expense management and investments in digital banking platforms. Investors will watch asset quality metrics closely: nonperforming assets declined to 0.45% of total loans, while the allowance for credit losses remained at a conservative 1.20% of loans, providing a buffer against potential future stress.