Orrstown Financial Services, Inc. (ORRF) Q2 2026 Earnings Call Transcript

Orrstown Financial Services, Inc. ( ORRF ) Q2 2026 Earnings Call July 22, 2026 9:00 AM EDT

Company Participants

Adam Metz - President, CEO & Director

Neelesh Kalani - Executive VP, CFO & Head of Investor Relations

Conference Call Participants

Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division

Catherine Hubinger

Presentation Operator

Good morning. My name is Regina, and I will be your conference operator today.

At this time, I would like to welcome everyone to the Orrstown Financial Services, Inc. Second Quarter 2026 Earnings Conference Call.

[Operator Instructions]

I will now turn the call over to Adam Metz, President and Chief Executive Officer of Orrstown Financial Services, Inc. and Orrstown Bank, who will begin the conference.

Mr. Metz, please go ahead.

Adam Metz President, CEO & Director

Thank you, Regina, and good morning. I would like to thank everyone for participating in Orrstown's Second Quarter 2026 Earnings Conference Call, both by telephone and through the webcast.

If you have not read the earnings release we issued yesterday afternoon, you may access it along with the financial tables and schedules by going to our website, www.orrstown.com.

Once there, you can click the Investor Relations link and then on the Events and Presentations link.

Also, before we start, I would like to mention that today's presentation may contain forward-looking information.

Cautionary statements about this information are included in the earnings release, the investor presentation and our SEC filings.

The earnings release and investor presentation also include non-GAAP financial measures.

The appropriate reconciliations to GAAP are included in those documents.

Joining me today on the call is Neil Kalani, Orrstown's Chief Financial Officer.

Also participating in the discussion are Zach Khuri, Chief Revenue Officer; Bob Coradi, Chief Risk Officer; and Dave Chajkowski, Chief Credit Officer.

Orrstown produced another strong outstanding quarter highlighted