Orrstown Financial Services (ORRF) investor relations material

Opening remarks and agenda

• Meeting called to order with disclosures on forward-looking statements and non-GAAP measures.

• Shareholders could submit questions electronically during or before the meeting.

• Introduction of board members, executive team, and independent auditors.

• Voting procedures and rules of conduct were outlined, with online voting available until polls closed.

Board and executive committee updates

• Four directors nominated for three-year terms; no other nominations received.

• Announcement of Tom Quinn's retirement as CEO effective June 1st, with recognition of his 17 years of service.

Financial performance review

• Achieved $5.5 billion in total assets and $82.9 million in adjusted net income for 2025.

• Net interest income rose by $45 million; net interest margin increased to 4.04%.

• Loans grew by $90 million; deposits declined by $94 million due to anticipated time deposit maturities.

• Asset quality and credit metrics remained strong, with minimal net charge-offs and a 1.24% allowance coverage ratio.

• Fee income reached 21% of total operating revenue, with wealth management contributing $21.7 million.

• Efficiency ratio improved to 58%, with ongoing focus on process automation and innovation.