Orange County Bancorp, Inc. (OBT) SEC Filings & Earnings Calls
EquiReason read 16 Orange County Bancorp, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-09-23 — Investor presentation at Stephens Bank Forum 2026; no material new information, guidance, or financial results disclosed beyond previously reported Q2 2026 results..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 513.7M
- P/E TTM
- 10.8
- Dividend yield
- 1.7%
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
21 Aug 20268-K · 8.01Orange County Bancorp declared a $0.18 per share cash dividend, payable September 15, 2026; routine declaration.open
Figures in the filing · each found in the filing text
| dividend per share · Q3-2026 | $0.18 |
10 Aug 202610-QOrange County Bancorp reported Q2 2026 net income of $13.7M, up 30.6% YoY, driven by net interest margin expansion and lower provision, but NPLs doubled and noninterest income swung to a loss.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 4.4% | |
| Net interest income · Q2-2026 | $28M | +13% y/y |
| Net income · Q2-2026 | $14M | +31% y/y |
| Non-performing loans · 2026-06-30 | $22M | |
| Allowance for credit losses to total loans · 2026-06-30 | 1.4% | |
| Assets under management · Wealth Management · 2026-06-30 | $1.70B | |
| Efficiency ratio · Q2-2026 | 62.1% |
Risks flagged
Credit risk from CRE concentration
“The commercial real estate non-performing loans were mainly the result of a $14.2 million commercial real estate participation loan that experienced payment disruption during the six months ended June 30, 2026 due to bankruptcy at the parent company” · word for word
Loan growth headwind from payoffs
“During the six months ended June 30, 2026, the trajectory of our loan growth was impacted by unanticipated payoffs aggregating $81.1 million, compared to $28.5 million during the same period last year.” · word for word
Valuation loss on loans held-for-sale
“The decrease of $7.9 million in noninterest income was largely related to a valuation loss of $4.8 million related to loans classified as held-for-sale during the second quarter of 2026” · word for word
28 Jul 20268-K · 2.02Net income $14M (+31% y/y); Net interest margin 4.44; Total deposits $2.40B (+5% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $14M | +31% y/y |
| Net interest margin · Q2-2026 | 4.4% | |
| Total deposits · Q2-2026 | $2.40B | +5% y/y |
| Earnings per share · Q2-2026 | $1.02 | +17% y/y |
| Book value per share · Q2-2026 | $22.87 |
Risks flagged
Loan growth impacted by unanticipated payoffs; wealth management division stabilizing after staff changes.
“The trajectory of our loan growth has been impacted by unanticipated payoffs aggregating $81.1 million during the first half of 2026” · word for word
11 May 202610-QNet interest income $28M (+18% y/y); Net income $11M (+30% y/y); Net interest margin 4.4open
Figures in the filing · each found in the filing text
| Net interest income · Q1-2026 | $28M | +18% y/y |
| Net income · Q1-2026 | $11M | +30% y/y |
| Net interest margin · Q1-2026 | 4.4% | |
| Total deposits · 2026-03-31 | $2.35B | |
| Loans, net · 2026-03-31 | $1.92B | |
| Non-performing loans · 2026-03-31 | $26M | |
| Allowance for credit losses · 2026-03-31 | $28M | |
| Assets under management · wealth_management · 2026-03-31 | $1.64B | -6% y/y |
Guidance
Management highlights continued focus on deposit growth, credit quality, and expense management, with no explicit guidance changes.
Risks flagged
Credit quality deterioration
“Non-performing loans at March 31, 2026 totaled $26.1 million as compared to $11.1 million at December 31, 2025. Total non-performing loans to total loans 1.34% vs 0.57%.” · word for word
Concentration in commercial real estate
“Commercial real estate loans represent 75.86% of total loans at March 31, 2026. Non-performing CRE loans increased to $23.0 million.”
Interest rate risk
“Considering the impact of the FRB's rate policy during 2025 and current 2026 economic conditions, it is possible that interest rates may be revised during the current year. Although our asset sensitivity remains relatively neutral, this movement could have a significant impact on our net interest income.” · word for word
28 Apr 20268-K · 2.02Record Q1 net income $11.3M (+29.6% YoY), NIM expanded 45bps to 4.40%, deposits grew $39.4M, but wealth management revenue declined 5% YoY. CEO cites challenging macro but optimistic.earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q1-2026 | $11M | +30% y/y |
| Net Interest Margin · Q1-2026 | 4.4% | |
| Total Deposits · Q1-2026 | $2.40B | |
| Earnings Per Share · Q1-2026 | $0.85 | +10% y/y |
| Book Value Per Share · Q1-2026 | $21.75 | +2% y/y |
| Tangible Book Value Per Share · Q1-2026 | $21.32 | +2% y/y |
| Total Loans · Q1-2026 | $2.00B | |
| Average Cost of Deposits · Q1-2026 | 1.0% | |
| Wealth Management Revenue · Wealth Management · Q1-2026 | $3M | -5% y/y |
Risks flagged
Wealth management revenue decline due to market volatility and restructuring may persist.
“Wealth Management division experienced a pullback from its recent growth path during the quarter.”
Unrealized losses on AFS securities from interest rate fluctuations could pressure book value.
“increase in unrealized losses on the available for sale securities portfolio resulting from interest rate fluctuation during the period”
15 Apr 2026DEF 14ADEF 14A proxy statement filed for 2026 annual meeting; includes director elections, ratification of auditor, and executive compensation details.open
Figures in the filing · each found in the filing text
| Total assets threshold for CEO SERP contribution · FY2025 | $2.50B |
25 Mar 20268-K · 5.02Reported a director or officer change (departure, election, appointment or pay arrangement)open
Risks flagged
No material risk; routine contract extension.
“No departure or disagreement.”
16 Mar 202610-KNet interest income $104M (+13% y/y); Net income $42M (+49% y/y); Net interest margin 4.18open
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $104M | +13% y/y |
| Net income · FY2025 | $42M | +49% y/y |
| Net interest margin · FY2025 | 4.2% | |
| Total deposits · 2025-12-31 | $2.31B | +7% y/y |
| Assets under management · 2025-12-31 | $1.90B | |
| Non-performing loans to total loans · 2025-12-31 | 0.6% | |
| Allowance for credit losses to total loans · 2025-12-31 | 1.4% | |
| Net charge-offs to average loans · FY2025 | 0.3% | |
| Stockholders' equity · 2025-12-31 | $284M | +53% y/y |
Risks flagged
Credit quality deterioration
“Non-performing assets increased $4.8 million, or 76.7%, to $11.1 million, or 0.42% of total assets, at December 31, 2025 from $6.3 million, or 0.25% of total assets, at December 31, 2024.” · word for word
Concentrated CRE exposure
“Commercial real estate loans increased $118.0 million, or 8.7%, to $1.5 billion at December 31, 2025 from $1.4 billion at December 31, 2024.” · word for word
Classified asset growth
“On the basis of management’s review of our assets, we classified $73.7 million of our assets at December 31, 2025 as substandard compared to $44.0 million at December 31, 2024.” · word for word
20 Feb 20268-K · 8.01Dividend per share $0.18open
Figures in the filing · each found in the filing text
| dividend per share · Q1-2026 | $0.18 |
4 Feb 20268-K · 2.02Net income $42M (+49% y/y); Net interest margin 4.18; Total loans $2.00B (+7% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · FY2025 | $42M | +49% y/y |
| Net interest margin · FY2025 | 4.2% | |
| Total loans · Q4-2025 | $2.00B | +7% y/y |
| Total deposits · Q4-2025 | $2.30B | +7% y/y |
| Book value per share · Q4-2025 | $21.27 | +30% y/y |
| Trust and investment advisory income · Wealth Management · FY2025 | $14M | +15% y/y |
Risks flagged
Credit risk from loan growth in uncertain rate environment.
“Loan growth subject to market volatility and macro risks; cautious underwriting.”
24 Nov 20258-K · 8.01Dividend Per Share $0.18open
Figures in the filing · each found in the filing text
| Dividend Per Share | $0.18 |
10 Nov 202510-QOrange County Bancorp reported strong Q3 2025 results with net income up 211.5% YoY, NIM expanding 45 bps to 4.26%, and improved efficiency ratio.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q3-2025 | 4.3% | |
| Net interest margin · 9M-2025 | 4.1% | |
| Net income · Q3-2025 | $10M | +212% y/y |
| Net income · 9M-2025 | $29M | +41% y/y |
| Loans, net · 2025-09-30 | $1.91B | |
| Assets under management · Wealth Management · 2025-09-30 | $1.90B | +6% y/y |
| Efficiency ratio · Q3-2025 | 49.9% | |
| Efficiency ratio · 9M-2025 | 53.2% | |
| Non-performing loans · 2025-09-30 | $12M | |
| Allowance for credit losses to total loans · 2025-09-30 | 1.5% |
Risks flagged
Non-performing loan increase
“Non-performing loans aggregated approximately $12.2 million at September 30, 2025 as compared to $6.3 million at December 31, 2024.” · word for word
Classified asset increase
“classified $69.8 million of our assets at September 30, 2025 as substandard compared to $44.0 million at December 31, 2024” · word for word
Concentration in commercial real estate
“Commercial real estate loans increased by $90.5 million, or 6.6%, to $1.5 billion at September 30, 2025” · word for word
30 Oct 20258-K · 2.02Record Q3 2025 net income of $10.0M vs $3.2M YoY (+211.5%); NIM expanded 45bps to 4.26%; loans grew 6.6% YTD; deposits up 5.8% YTD; trust income up 13.3%.earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q3-2025 | $10M | +213% y/y |
| Net Interest Income · Q3-2025 | $27M | +17% y/y |
| Net Interest Margin · Q3-2025 | 4.3% | |
| Total Loans · 2025-09-30 | $1.90B | |
| Total Deposits · 2025-09-30 | $2.30B | |
| Book Value Per Share · 2025-09-30 | $20.21 | +24% y/y |
| Trust and Investment Advisory Income · Q3-2025 | $4M | +13% y/y |
| Cost of Deposits · Q3-2025 | 1.1% | |
| Average Yield on Loans · Q3-2025 | 6.1% | |
| Tangible Book Value Per Share · 2025-09-30 | $19.76 | +25% y/y |
Risks flagged
Uncertain political, geopolitical, tariff, and interest rate policy risks cited by management
“we continue to exercise prudent underwriting standards in the face of uncertain political, geopolitical, tariff, and interest rate policy risks” · word for word
Potential downward pressure on loan yields from Fed rate cuts
“Federal Reserve guidance and a 25 basis point rate cut in September may keep downward pressure on rates” · word for word
Orange County Bancorp, Inc. — questions
- What did Orange County Bancorp, Inc. file recently?
- 16 SEC filings in the last 12 months. Latest: 8-K on 2026-09-23 — Investor presentation at Stephens Bank Forum 2026; no material new information, guidance, or financial results disclosed beyond previously reported Q2 2026 results.
Every figure on this page comes from Orange County Bancorp, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.