# EDGAR Filing Document

**Accession Number:** 0000826154
**File Stem:** 0001104659-26-040697
**Filing Date:** 2026-4
**Character Count:** 17172
**Document Hash:** 06f7c7361c92825b140a0a92f9cbf33a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-040697.hdr.sgml**: 20260408

**ACCESSION NUMBER**: 0001104659-26-040697

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260408

**DATE AS OF CHANGE**: 20260408

**EFFECTIVENESS DATE**: 20260408

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ORRSTOWN FINANCIAL SERVICES INC
- **CENTRAL INDEX KEY:** 0000826154
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232530374
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-13107
- **FILM NUMBER:** 26846606

**BUSINESS ADDRESS:**
- **STREET 1:** 4750 LINDLE RD
- **CITY:** HARRISBURG
- **STATE:** PA
- **ZIP:** 17111
- **BUSINESS PHONE:** 7175326114

**MAIL ADDRESS:**
- **STREET 1:** 4750 LINDLE RD
- **CITY:** HARRISBURG
- **STATE:** PA
- **ZIP:** 17111

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** ORRSTOWN FINANCIAL SERVICES INC<br>**Address:** 4750 LINDLE RD<br>HARRISBURG, PA 17111

**Form 13F File Number:** 028-13107

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Monica Balafoutas<br>**Title:** SVP Director of Wealth  Trust Investments<br>**Phone:** 717-530-2288

**Signature, Place, and Date of Signing:**

/s/ Monica Balafoutas  Harrisburg, PA  04-08-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 123

**Form 13F Information Table Value Total:** $597476809

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| Abbott Laboratories | Common Stock | 002824100 |  | 832962 | 8113 | SH |  | SOLE |  | 8113 | 0 | 0 |
| Abbvie Inc | Common Stock | 00287Y109 |  | 562429 | 2586 | SH |  | SOLE |  | 2586 | 0 | 0 |
| Accenture PLC | Common Stock | G1151C101 |  | 736449 | 3714 | SH |  | SOLE |  | 3714 | 0 | 0 |
| Adobe Inc. | Common Stock | 00724F101 |  | 391359 | 1610 | SH |  | SOLE |  | 1610 | 0 | 0 |
| Advanced Micro Devices Inc | Common Stock | 007903107 |  | 1250688 | 6148 | SH |  | SOLE |  | 6148 | 0 | 0 |
| Alphabet Inc. | Common Stock | 02079K107 |  | 434880 | 1516 | SH |  | SOLE |  | 1516 | 0 | 0 |
| Alphabet Inc | Common Stock | 02079K305 |  | 5465365 | 19006 | SH |  | SOLE |  | 19006 | 0 | 0 |
| Amazon.com Inc | Common Stock | 023135106 |  | 3739696 | 17956 | SH |  | SOLE |  | 17956 | 0 | 0 |
| American Century Focused Large Cap Value | Exchange Traded Fund | 025072794 |  | 569388 | 7425 | SH |  | SOLE |  | 7425 | 0 | 0 |
| American Express Company | Common Stock | 025816109 |  | 1167270 | 3859 | SH |  | SOLE |  | 3859 | 0 | 0 |
| Amgen Inc | Common Stock | 031162100 |  | 986587 | 2804 | SH |  | SOLE |  | 2804 | 0 | 0 |
| Amphenol Corp | Common Stock | 032095101 |  | 416450 | 3296 | SH |  | SOLE |  | 3296 | 0 | 0 |
| Apple Inc. | Common Stock | 037833100 |  | 5683373 | 22394 | SH |  | SOLE |  | 22394 | 0 | 0 |
| Applied Materials Inc | Common Stock | 038222105 |  | 2223002 | 6504 | SH |  | SOLE |  | 6504 | 0 | 0 |
| Avantis U.S. Small Cap Value | Exchange Traded Fund | 025072877 |  | 7733 | 70 | SH |  | OTR |  | 70 | 0 | 0 |
| Avantis U.S. Small Cap Value | Exchange Traded Fund | 025072877 |  | 36173070 | 327447 | SH |  | SOLE |  | 327435 | 0 | 12 |
| BANK OF AMERICA CORP | Common Stock | 060505104 |  | 453229 | 9297 | SH |  | SOLE |  | 9297 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | Common Stock | 084670702 |  | 1244003 | 2596 | SH |  | SOLE |  | 2596 | 0 | 0 |
| BLACKROCK INC | Common Stock | 09290D101 |  | 477008 | 496 | SH |  | SOLE |  | 496 | 0 | 0 |
| Boeing Co | Common Stock | 097023105 |  | 242569 | 1219 | SH |  | SOLE |  | 1219 | 0 | 0 |
| BOOKING HOLDINGS INC | Common Stock | 09857L108 |  | 736806 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| BOSTON SCIENTIFIC CORP | Common Stock | 101137107 |  | 455628 | 7261 | SH |  | SOLE |  | 7261 | 0 | 0 |
| Broadcom Inc | Common Stock | 11135F101 |  | 2325658 | 7514 | SH |  | SOLE |  | 7514 | 0 | 0 |
| Caterpillar Inc | Common Stock | 149123101 |  | 929500 | 1312 | SH |  | SOLE |  | 1312 | 0 | 0 |
| Chevron Corp. | Common Stock | 166764100 |  | 1423058 | 6878 | SH |  | SOLE |  | 6878 | 0 | 0 |
| Cisco Systems Inc | Common Stock | 17275R102 |  | 793978 | 10233 | SH |  | SOLE |  | 10233 | 0 | 0 |
| CITIGROUP INC | Common Stock | 172967424 |  | 593588 | 5234 | SH |  | SOLE |  | 5234 | 0 | 0 |
| ConocoPhillips | Common Stock | 20825C104 |  | 370260 | 2805 | SH |  | SOLE |  | 2805 | 0 | 0 |
| Costco Wholesale Corporation | Common Stock | 22160K105 |  | 1882256 | 1889 | SH |  | SOLE |  | 1889 | 0 | 0 |
| Crowdstrike Holdings Inc | Common Stock | 22788C105 |  | 514560 | 1318 | SH |  | SOLE |  | 1318 | 0 | 0 |
| Cummins Inc | Common Stock | 231021106 |  | 201219 | 374 | SH |  | SOLE |  | 374 | 0 | 0 |
| D R HORTON INC | Common Stock | 23331A109 |  | 287750 | 2097 | SH |  | SOLE |  | 2097 | 0 | 0 |
| Deere  Co | Common Stock | 244199105 |  | 239403 | 425 | SH |  | SOLE |  | 425 | 0 | 0 |
| DIMENSIONAL ETF TRUST | Exchange Traded Fund | 25434V401 |  | 417022 | 5881 | SH |  | SOLE |  | 5881 | 0 | 0 |
| Eaton Corp. PLC | Common Stock | G29183103 |  | 1125587 | 3147 | SH |  | SOLE |  | 3147 | 0 | 0 |
| Eli Lilly and Co | Common Stock | 532457108 |  | 1496466 | 1627 | SH |  | SOLE |  | 1627 | 0 | 0 |
| Exxon Mobil Corp | Common Stock | 30231G102 |  | 1911729 | 11268 | SH |  | SOLE |  | 11268 | 0 | 0 |
| Fidelity Enhanced International | International Equity ETF | 31609A404 |  | 56368602 | 1515285 | SH |  | SOLE |  | 1515229 | 0 | 56 |
| Fidelity Enhanced International | International Equity ETF | 31609A404 |  | 11830 | 318 | SH |  | OTR |  | 318 | 0 | 0 |
| GE AEROSPACE | Common Stock | 369604301 |  | 3610122 | 12722 | SH |  | SOLE |  | 12722 | 0 | 0 |
| GE VERNOVA INC | Common Stock | 36828A101 |  | 2787170 | 3193 | SH |  | SOLE |  | 3193 | 0 | 0 |
| Goldman Sachs Group Inc | Common Stock | 38141G104 |  | 775773 | 917 | SH |  | SOLE |  | 917 | 0 | 0 |
| Goldman Sachs Small Cap Equity | Exchange Traded Fund | 38149W614 |  | 4753 | 87 | SH |  | OTR |  | 87 | 0 | 0 |
| Goldman Sachs Small Cap Equity | Exchange Traded Fund | 38149W614 |  | 23987004 | 439037 | SH |  | SOLE |  | 439021 | 0 | 16 |
| Home Depot | Common Stock | 437076102 |  | 1407320 | 4279 | SH |  | SOLE |  | 4279 | 0 | 0 |
| Honeywell International Inc | Common Stock | 438516106 |  | 833147 | 3686 | SH |  | SOLE |  | 3686 | 0 | 0 |
| INTUIT | Common Stock | 461202103 |  | 435839 | 1008 | SH |  | SOLE |  | 1008 | 0 | 0 |
| INTUITIVE SURGICAL INC | Common Stock | 46120E602 |  | 867122 | 1881 | SH |  | SOLE |  | 1881 | 0 | 0 |
| Invesco Russell 1000 Dynamic Multifactor | Exchange Traded Fund | 46138J619 |  | 3696358 | 61483 | SH |  | SOLE |  | 61483 | 0 | 0 |
| Invesco Russell 2000 Dynamic Multifactor | Exchange Traded Fund | 46138J593 |  | 339487 | 7500 | SH |  | SOLE |  | 7500 | 0 | 0 |
| iShares Core Dividend Growth ETF | Exchange Traded Fund | 46434V621 |  | 268158 | 3821 | SH |  | SOLE |  | 3821 | 0 | 0 |
| iShares Core MSCI EAFE ETF | International Equity ETF | 46432F842 |  | 5164646 | 57049 | SH |  | SOLE |  | 57049 | 0 | 0 |
| iShares Core MSCI Emerging Markets ETF | International Equity ETF | 46434G103 |  | 4124387 | 59131 | SH |  | SOLE |  | 59131 | 0 | 0 |
| iShares Core S 500 Index Fund | Exchange Traded Fund | 464287200 |  | 149639960 | 229084 | SH |  | SOLE |  | 229074 | 0 | 10 |
| iShares Core S 500 Index Fund | Exchange Traded Fund | 464287200 |  | 37233 | 57 | SH |  | OTR |  | 57 | 0 | 0 |
| iShares Core S Mid-Cap Index Fund | Exchange Traded Fund | 464287507 |  | 1998415 | 29593 | SH |  | SOLE |  | 29593 | 0 | 0 |
| iShares Core US Aggregate Bond | Fixed Income ETF | 464287226 |  | 1377371 | 13875 | SH |  | SOLE |  | 13875 | 0 | 0 |
| iShares MSCI ACWI ex US ETF | International Equity ETF | 464288240 |  | 1499425 | 21899 | SH |  | SOLE |  | 21899 | 0 | 0 |
| iShares MSCI EAFE ETF | International Equity ETF | 464287465 |  | 1259485 | 12967 | SH |  | SOLE |  | 12967 | 0 | 0 |
| iShares MSCI Emerging Markets ETF | International Equity ETF | 464287234 |  | 681480 | 12000 | SH |  | SOLE |  | 12000 | 0 | 0 |
| iShares National Muni Bond | Fixed Income ETF | 464288414 |  | 1187606 | 11188 | SH |  | SOLE |  | 11188 | 0 | 0 |
| iShares Russell 1000 Growth ETF | Exchange Traded Fund | 464287614 |  | 935948 | 2195 | SH |  | SOLE |  | 2195 | 0 | 0 |
| iShares Russell 1000 Index Fund | Exchange Traded Fund | 464287622 |  | 2425321 | 6802 | SH |  | SOLE |  | 6802 | 0 | 0 |
| iShares Russell 1000 Value ETF | Exchange Traded Fund | 464287598 |  | 364307 | 1705 | SH |  | SOLE |  | 1705 | 0 | 0 |
| Johnson  Johnson | Common Stock | 478160104 |  | 1754101 | 7176 | SH |  | SOLE |  | 7176 | 0 | 0 |
| JPMorgan Active Growth | Exchange Traded Fund | 46654Q609 |  | 19861524 | 234992 | SH |  | SOLE |  | 234992 | 0 | 0 |
| JPMorgan Active Value | Exchange Traded Fund | 46641Q167 |  | 8108 | 113 | SH |  | OTR |  | 113 | 0 | 0 |
| JPMorgan Active Value | Exchange Traded Fund | 46641Q167 |  | 60896234 | 848728 | SH |  | SOLE |  | 848680 | 0 | 48 |
| JPMorgan Chase  Co | Common Stock | 46625H100 |  | 2528305 | 8595 | SH |  | SOLE |  | 8595 | 0 | 0 |
| JPMorgan Equity Premium Income | Exchange Traded Fund | 46641Q332 |  | 24541817 | 432989 | SH |  | SOLE |  | 432957 | 0 | 32 |
| JPMorgan Hedged Equity Laddered Overlay | Exchange Traded Fund | 46654Q724 |  | 9412026 | 147270 | SH |  | SOLE |  | 147270 | 0 | 0 |
| LAM RESEARCH CORP | Common Stock | 512807306 |  | 2027633 | 9490 | SH |  | SOLE |  | 9490 | 0 | 0 |
| Lockheed Martin Corp | Common Stock | 539830109 |  | 210932 | 349 | SH |  | SOLE |  | 349 | 0 | 0 |
| Mastercard Inc | Common Stock | 57636Q104 |  | 1266638 | 2535 | SH |  | SOLE |  | 2535 | 0 | 0 |
| Mcdonald's Corp | Common Stock | 580135101 |  | 972151 | 3128 | SH |  | SOLE |  | 3128 | 0 | 0 |
| Merck  Co Inc | Common Stock | 58933Y105 |  | 589902 | 4904 | SH |  | SOLE |  | 4904 | 0 | 0 |
| Meta Platforms Inc | Common Stock | 30303M102 |  | 1876586 | 3280 | SH |  | SOLE |  | 3280 | 0 | 0 |
| MICRON TECHNOLOGY INC | Common Stock | 595112103 |  | 739532 | 2189 | SH |  | SOLE |  | 2189 | 0 | 0 |
| Microsoft Corp | Common Stock | 594918104 |  | 5144623 | 13898 | SH |  | SOLE |  | 13898 | 0 | 0 |
| MORGAN STANLEY | Common Stock | 617446448 |  | 235993 | 1434 | SH |  | SOLE |  | 1434 | 0 | 0 |
| Netflix Inc | Common Stock | 64110L106 |  | 1133993 | 11794 | SH |  | SOLE |  | 11794 | 0 | 0 |
| NVIDIA Corp | Common Stock | 67066G104 |  | 4843088 | 27770 | SH |  | SOLE |  | 27770 | 0 | 0 |
| Oracle Corp | Common Stock | 68389X105 |  | 1169819 | 7952 | SH |  | SOLE |  | 7952 | 0 | 0 |
| Palo Alto Networks Inc | Common Stock | 697435105 |  | 506451 | 3159 | SH |  | SOLE |  | 3159 | 0 | 0 |
| PepsiCo Inc | Common Stock | 713448108 |  | 848970 | 5467 | SH |  | SOLE |  | 5467 | 0 | 0 |
| Pfizer Inc | Common Stock | 717081103 |  | 274426 | 9773 | SH |  | SOLE |  | 9773 | 0 | 0 |
| PNC Financial Services Group Inc | Common Stock | 693475105 |  | 1482225 | 7123 | SH |  | SOLE |  | 7123 | 0 | 0 |
| Procter  Gamble Co | Common Stock | 742718109 |  | 1026246 | 7105 | SH |  | SOLE |  | 7105 | 0 | 0 |
| PROGRESSIVE CORP | Common Stock | 743315103 |  | 534059 | 2694 | SH |  | SOLE |  | 2694 | 0 | 0 |
| Qualcomm Inc | Common Stock | 747525103 |  | 478289 | 3714 | SH |  | SOLE |  | 3714 | 0 | 0 |
| QUANTA SVCS INC | Common Stock | 74762E102 |  | 337647 | 615 | SH |  | SOLE |  | 615 | 0 | 0 |
| RTX Corporation | Common Stock | 75513E101 |  | 1843931 | 9559 | SH |  | SOLE |  | 9559 | 0 | 0 |
| S Global Inc | Common Stock | 78409V104 |  | 791983 | 1862 | SH |  | SOLE |  | 1862 | 0 | 0 |
| SALESFORCE INC. | Common Stock | 79466L302 |  | 1069059 | 5727 | SH |  | SOLE |  | 5727 | 0 | 0 |
| ServiceNow Inc | Common Stock | 81762P102 |  | 687834 | 6579 | SH |  | SOLE |  | 6579 | 0 | 0 |
| SPDR S 600 Small Cap Growth | Exchange Traded Fund | 78464A201 |  | 358943 | 3715 | SH |  | SOLE |  | 3715 | 0 | 0 |
| State Street Energy Select Sector SPDR ETF | Exchange Traded Fund | 81369Y506 |  | 530267 | 8656 | SH |  | SOLE |  | 8656 | 0 | 0 |
| State Street Materials Select Sector SPDR ETF | Exchange Traded Fund | 81369Y100 |  | 1105536 | 22124 | SH |  | SOLE |  | 22124 | 0 | 0 |
| State Street Real Estate Select Sector SPDR ETF | Exchange Traded Fund | 81369Y860 |  | 774831 | 18977 | SH |  | SOLE |  | 18977 | 0 | 0 |
| STATE STREET SPDR DOW JONES INDUSTRIAL AVERAGE ETF | Exchange Traded Fund | 78467X109 |  | 791129 | 1708 | SH |  | SOLE |  | 1708 | 0 | 0 |
| State Street SPDR S 500 ETF Trust | Exchange Traded Fund | 78462F103 |  | 556041 | 855 | SH |  | SOLE |  | 855 | 0 | 0 |
| State Street Utilities Select Sector SPDR ETF | Exchange Traded Fund | 81369Y886 |  | 1242013 | 27065 | SH |  | SOLE |  | 27065 | 0 | 0 |
| Tesla Inc | Common Stock | 88160R101 |  | 847218 | 2279 | SH |  | SOLE |  | 2279 | 0 | 0 |
| The Charles Schwab Corporation | Common Stock | 808513105 |  | 401577 | 4273 | SH |  | SOLE |  | 4273 | 0 | 0 |
| Thermo Fisher Scientific Inc | Common Stock | 883556102 |  | 793821 | 1615 | SH |  | SOLE |  | 1615 | 0 | 0 |
| TJX Companies Inc | Common Stock | 872540109 |  | 2078975 | 13018 | SH |  | SOLE |  | 13018 | 0 | 0 |
| T-MOBILE US INC | Common Stock | 872590104 |  | 1036498 | 4935 | SH |  | SOLE |  | 4935 | 0 | 0 |
| Travelers Companies Inc | Common Stock | 89417E109 |  | 732700 | 2512 | SH |  | SOLE |  | 2512 | 0 | 0 |
| UBER TECHNOLOGIES INC | Common Stock | 90353T100 |  | 552566 | 7682 | SH |  | SOLE |  | 7682 | 0 | 0 |
| Union Pacific Corp | Common Stock | 907818108 |  | 1216497 | 5014 | SH |  | SOLE |  | 5014 | 0 | 0 |
| UnitedHealth Group Inc | Common Stock | 91324P102 |  | 1081278 | 3996 | SH |  | SOLE |  | 3996 | 0 | 0 |
| Valero Energy Corp | Common Stock | 91913Y100 |  | 345665 | 1399 | SH |  | SOLE |  | 1399 | 0 | 0 |
| Vanguard 500 Index Fund | Exchange Traded Fund | 922908363 |  | 2247983 | 3762 | SH |  | SOLE |  | 3762 | 0 | 0 |
| Vanguard Core Bond | Fixed Income ETF | 922020748 |  | 21744 | 281 | SH |  | OTR |  | 281 | 0 | 0 |
| Vanguard Core Bond | Fixed Income ETF | 922020748 |  | 68360742 | 883442 | SH |  | SOLE |  | 883392 | 0 | 50 |
| Vanguard Idx Fund | Exchange Traded Fund | 922908769 |  | 256648 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| Vanguard Intermediate Term Bond ETF | Fixed Income ETF | 921937819 |  | 6773008 | 87756 | SH |  | SOLE |  | 87756 | 0 | 0 |
| Vanguard Russell 3000 ETF | Exchange Traded Fund | 92206C599 |  | 1483598 | 5159 | SH |  | SOLE |  | 5159 | 0 | 0 |
| Vanguard Short-Term Corporate Bond Idx Fd | Fixed Income ETF | 92206C409 |  | 752986 | 9499 | SH |  | SOLE |  | 9499 | 0 | 0 |
| Vanguard Small-Cap Index Fund | Exchange Traded Fund | 922908751 |  | 3723717 | 14217 | SH |  | SOLE |  | 14217 | 0 | 0 |
| Visa Inc | Common Stock | 92826C839 |  | 2293397 | 7588 | SH |  | SOLE |  | 7588 | 0 | 0 |
| Walmart Inc | Common Stock | 931142103 |  | 2610874 | 21008 | SH |  | SOLE |  | 21008 | 0 | 0 |
| Walt Disney Co | Common Stock | 254687106 |  | 562185 | 5833 | SH |  | SOLE |  | 5833 | 0 | 0 |

---