Orrstown Financial Services(ORRF) - 2025 Q4 - Earnings Call Presentation

Earnings Presentation Fourth Quarter 2025 January 28, 2026 Non-GAAP Disclosures In this presentation, we refer to tangible book value per share, fee income to operating revenue, adjusted net income, adjusted diluted EPS, adjusted ROAA, adjusted ROAE and the efficiency ratio, which are non-GAAP measures. For a reconciliation of these non-GAAP measures to GAAP results and our rationale for usage of non-GAAP measures, please refer to the GAAP to Non- GAAP reconciliation. 2 Financial Highlights Cautionary Note ...