Orrstown Financial Services(US:ORRF)2025-06-27 11:21Financial Performance - Net income for 1Q25 was $18.1 million, a 31.9% increase quarter-over-quarter and a 111.6% increase year-over-year[6] - Adjusted net income for 1Q25 was $19.3 million, up 15.8% from 4Q24 and 110.1% from 1Q24[6] - Diluted EPS for 1Q25 was $0.93, a 31.5% increase quarter-over-quarter and a 14.8% increase year-over-year[6] - Adjusted diluted EPS for 1Q25 was $1.00, up 14.9% from 4Q24 and 13.6% from 1Q24[6] - The company's ROAA(Annualized) was 1.35%, a 35 bps increase quarter-over-quarter and a 24 bps increase year-over-year[6] - The company's ROAE(Annualized) was 13.98%, a 344 bps increase quarter-over-quarter and a 119 bps increase year-over-year[6] Balance Sheet - Total assets remained flat quarter-over-quarter at $5,441.6 million but increased by 70.9% year-over-year[6] - Total loans decreased by 1.4% quarter-over-quarter to $3,876.0 million but increased by 68.3% year-over-year[6] - Total deposits increased slightly by 0.2% quarter-over-quarter to $4,633.7 million and increased by 71.9% year-over-year[6] Other Key Metrics - The efficiency ratio improved to 63.22%, a decrease of 622 bps quarter-over-quarter[6] - Net interest margin was 4.00%, a decrease of 5 bps quarter-over-quarter[6] - The investment portfolio increased by $25.8 million during the quarter to $855.5 million[19, 24]