Verified call record已核验电话会记录 ·
ORRF · ORRSTOWN FINL SV Q2 FY2026 earnings call record财报电话会记录
Verbatim, receipt-bound excerpts from the earnings-call transcript. This is a source record, not a synthesized analysis or recommendation.来自财报电话会文字记录的原文、可追溯摘录。这是来源记录，不是综合分析或推荐。
12 exact excerpts 条原文摘录
15 numeric receipts 个数值回执
B governed source tier 治理来源层级
Transcript present电话会文本已具备
Call language, kept intact.电话会表述，保持原貌。
The excerpts below are selected from the source record under the bounded evidence policy. Wording is not paraphrased; numbers remain the exact spans captured from the call.以下摘录按受限证据策略从来源记录中选出。文字未被改写；数字保持电话会中捕获的精确片段。
“Excluding the impact of a one-time charge to interest expense, the net interest margin improved 10 basis points to 4% during the quarter.”
Adam Metz · CEO
claim_e2f93f69fee6af6020aa8f8efe9ba009Exact numeric spans精确数值片段
104%“Despite higher-than-expected payoffs and paydowns, the bank achieved annualized loan growth of 5% for the quarter, with a meaningful portion of that growth occurring late in the quarter and therefore having a limited impact on second quarter interest income.”
Adam Metz · CEO
claim_b9a8cb9b6ce134739445db0cea86b7a6Exact numeric spans精确数值片段
5%“We had an excellent second quarter with net income of $21.2 million, or $1.09 in earnings per diluted share.”
Neil Kalani · CFO
claim_fec4e15e66bee22fb46d2fda354355dfExact numeric spans精确数值片段
21.2 million1.09“On slide four of the earnings deck, you see that our reported net interest margin was 3.87% in the second quarter.”
Neil Kalani · CFO
claim_89c28f77850b2e5d8161dc867e2ab07fExact numeric spans精确数值片段
3.87%“If you exclude the impact of a one-time $1.6 million charge due to the subordinated debt redemption, our margin got back to 4%, even, which is where it was in the fourth quarter of 2025.”
Neil Kalani · CFO
claim_7410840e2fe064a755aa3be8dddb3c96Exact numeric spans精确数值片段
1.6 million4%“The previous guidance for net interest margin in the range of 3.90%-4% for 2026 remains, and that's excluding the $1.6 million charge.”
Neil Kalani · CFO
claim_91fd8da69b10e9a386262b9d2652fad9Exact numeric spans精确数值片段
3.90%-4%20261.6 million“The deposit environment remains very competitive; there's always risk with future pricing pressures and deposit generation.”
Neil Kalani · CFO
claim_7c37ee1fcbe0f9ecb2db484cbc73e785“We still feel confident about the loan growth guidance as the pipeline remains strong.”
Neil Kalani · CFO
claim_f90f1b7438e4cbea1c189396190cdd29“This is a result of the redemption of $31 million of subordinated debt at June 30th, 2026, and we expect to recover the capital impact of this redemption within two quarters.”
Neil Kalani · CFO
claim_84b2a32651c7e111c9d482a7cc128992Exact numeric spans精确数值片段
31 million2026“Our effective management of funding costs, coupled with the impact of the subordinated debt redemption, will help us maintain the margin at current levels.”
Neil Kalani · CFO
claim_590a6390b5be03a87b4be32a6d477e23“Once we get the full impact of the sub-debt, we were around that 4% level for most of the quarter, particularly the back half.”
Neil Kalani · CFO
claim_9953f69c7bc175c295e82feec9998a3bExact numeric spans精确数值片段
4%“Like I said, I expect us to be excluding the sub-debt impact at the higher end of the broader range.”
Neil Kalani · CFO
claim_c239b0e47f60708da82d04b72f3558deInspect the source receipts检查来源回执27 bound spans个已绑定片段
Each row identifies the source body, transcript segment and byte span used to verify the visible text.每行标识用于核验可见文本的来源正文、电话会片段和字节范围。
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