Orrstown Financial Services, Inc. (ORRF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Sarah and I will be your conference operator today. At this time, I would like to welcome everyone to the Orstown Financial Services Inc. Fourth Quarter 2025 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during the Q&A session, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. I will now turn the call over to Tom Quinn, President and Chief Executive Officer of Orstown Financial Services, Inc. and Orstown Bank. So we'll begin the conference. Mr. Quinn, please go ahead. Thank you, operator, and good morning. I'd like to thank everyone for participating in Orrstown fourth quarter 2025 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 on the investor relations link and then 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 the information are included in the earnings release, the investor presentation, and our SEC filings. The earnings release and investor presentations also include non-GAAP financial measures. The appropriate reconciliations to GAAP are included in those documents. Joining me on the call this morning are Orristown's Senior Executive Vice President and Chief Operating Officer, Adam Metz, as well as our Executive Vice President and Chief Financ...