Orange County Bancorp, Inc. /DE/ (OBT) Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning, and wealth management services; and financial products, including checking, savings, money market accounts, certificates of deposit, and treasury management services. The company offers its products to small businesses, middle-market enterprises, local municipal governments, and individuals, as well as operate full-service branches and loan production office in Orange, Westchester, Rockland, and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.
Sector: State Commercial Banks
Industry: Banks - Regional
Orange County Bancorp, Inc. NASDAQ:OBT Financial Services · Banks - Regional
Mkt Cap $515.13M
Div Yield 1.87%
AH Close $38.42 +0.00% vs close
AH Close $38.42 +0.00% vs close
Mkt Cap $515.13M
Div Yield 1.87%
All Press Release SEC Filings News
Press Release
Orange Bank & Trust Hires New Director, Trust Officer
Orange Bank & Trust, the Nasdaq: OBT subsidiary, hired Natasha Chang as Director and Trust Officer for its Trust Services Division covering Westchester, Bronx and Yonkers markets.
Chang joins from White & Case LLP's Private Clients Group, bringing estate and fiduciary expertise including tax compliance and regulatory work.
The hire supports the bank's push to grow Orange Wealth Management's trust business; the Bank has more than $2.7 billion in assets.
• 20d ago AI analysis › News
Orange County Bancorp (NASDAQ:OBT) & ABN AMRO Bank (OTCMKTS:AAVMY) Head-To-Head Comparison
defenseworld.net • 22d ago News
Head to Head Analysis: Orange County Bancorp (NASDAQ:OBT) & Primis Financial (NASDAQ:FRST)
defenseworld.net • 27d ago SEC Filing ⚠ 3
OBT: 8-K · other
Orange County Bancorp (Nasdaq: OBT) filed an 8-K on September 23, 2026 furnishing an investor slide presentation under Item 7.01. The materials will be reviewed with analysts and institutional investors at the Stephens Bank Forum 2026 on September 24, 2026.
The presentation highlights 2Q 2026 metrics: $2.8 billion in total assets, $2.4 billion in deposits, $1.9 billion in net loans, and $1.7 billion in AUM across its trust and advisory businesses. For the six months ended June 30, 2026, the company reported net income of $24.9 million, EPS of $1.87, a 4.42% net interest margin, and 16.97% annualized ROAE.
The filing is a routine Reg FD investor-communication event with no new financial results or strategic announcements, so it is unlikely to move the stock.
SEC 8-K • 1mo ago Press Release
Orange County Bancorp, Inc. Declares Cash Dividend
Orange County Bancorp declared a cash dividend of $0.18 per share, payable on September 15, 2026 to shareholders of record as of September 4, 2026.
The company, parent to Orange Bank & Trust Company and Orange Investment Advisors, reported total assets of approximately $2.6 billion.
• 2mo ago AI analysis › SEC Filing ⚠ 6
OBT: 10-Q · periodic report
Orange County Bancorp (OBT) filed its Q2 2026 Form 10-Q reporting net income of $13.7 million, or $1.02 per diluted share, up about 30.6% from $10.5 million ($0.87) in Q2 2025. First-half net income was $24.9 million ($1.87 per share) versus $19.2 million ($1.64) a year earlier.
Total assets grew 5.3% year-to-date to $2.8 billion, deposits rose $120.8 million to $2.43 billion, and cash and due from banks climbed 64.0% to $334.9 million after the bank eliminated roughly $125 million of brokered deposits. The Bank remains well capitalized with a 17.95% CET1 ratio, and the quarterly dividend was held at $0.18 per share.
Credit quality is the soft spot: non-performing loans nearly doubled to $22.2 million (1.16% of loans) from $11.1 million (0.57%), driven mainly by a $14.2 million commercial real estate participation loan hit by a parent-company bankruptcy, partially offset by a roughly $6.0 million office-loan settlement. The company also took a $4.8 million valuation loss moving $68.4 million of residential and home-equity loans to held-for-sale, pushing Q2 noninterest income negative at -$0.6 million.
Core earnings, liquidity and capital are strengthening while allowance coverage of problem loans fell to about 119%, so the pending disposition of the $63.6 million held-for-sale loan book is the key near-term item to watch.
SEC 10-Q • 2mo ago AI analysis › Press Release ⚠ 3
Orange County Bancorp, Inc. Announces Record Second Quarter Earnings
Orange County Bancorp reported record second quarter earnings with net income rising 30.6% year-over-year to $13.7 million, driven by a 38 basis point expansion in net interest margin to 4.44%.
Results were boosted by a one-time $5.3 million reversal of a deferred tax valuation allowance, partially offset by a $4.8 million valuation loss on loans held-for-sale; on an adjusted basis, net income was approximately $12.6 million.
Total deposits grew 5.2% to $2.4 billion, lowering the cost of deposits by 26.6% compared to the prior year, while asset quality showed some pressure with non-performing loans increasing to 1.16% of total loans.
• 2mo ago AI analysis › SEC Filing
OBT: 8-K · proxy statement
Orange County Bancorp, Inc. (OBT) reported the results of its Annual Meeting of Stockholders held on May 26, 2026. All proposals submitted to shareholders were approved, including the election of three directors and the ratification of Crowe LLP as the independent auditor.
Michael J. Gilfeather, Marianna R. Kennedy, and Richard B. Rowley were elected to three-year terms on the board of directors. The ratification of Crowe LLP received strong support, with over 10.3 million votes in favor and only 3,697 votes against.
The filing confirms routine corporate governance activities with no contested elections or significant governance changes. This is a standard procedural disclosure following the company's annual meeting.
SEC 8-K • 4mo ago Press Release
Orange County Bancorp, Inc. Declares Cash Dividend
Orange County Bancorp declared a quarterly cash dividend of $0.18 per share on its common stock.
The dividend is payable on June 15, 2026, to shareholders of record as of June 4, 2026.
The company noted its subsidiary Orange Bank & Trust Company holds approximately $2.6 billion in total assets.
• 5mo ago AI analysis › Press Release
Orange County Bancorp, Inc. Named to KBW’s Bank Honor Roll
Orange County Bancorp (OBT) has been named to the Keefe, Bruyette & Woods (KBW) Bank Honor Roll for the first time, recognizing it as one of 17 elite banks with the strongest earnings growth over the past decade.
The recognition follows a record 2025 performance where net income rose nearly 50% to $41.6 million, driven by a 35-basis-point expansion in net income margin to 4.18%.
The bank also expanded its loan portfolio by 7.4% to $2 billion and grew deposits by 7.3% to $2.3 billion, supporting total assets of approximately $2.7 billion.
• 5mo ago AI analysis › SEC Filing ⚠ 1
OBT: 10-Q · periodic report
Orange County Bancorp, Inc. reported a net income of $11.3 million for the quarter ended March 31, 2026, a 29.6% increase from $8.7 million in the same period of 2025. This growth was primarily driven by an increase in net interest income and a reduction in interest expense.
The company's total assets increased to $2.7 billion as of March 31, 2026, up 1.7% from $2.66 billion as of December 31, 2025. The increase was mainly due to a rise in cash and due from banks, which grew by 26.1% to $257.5 million.
Noninterest income decreased by 4.1% to $4.2 million for the quarter, primarily due to a decrease in investment advisory income and earnings on bank-owned life insurance.
Non-performing assets increased to $26.1 million as of March 31, 2026, up 134.4% from $11.1 million as of December 31, 2025, with the majority of the increase attributed to commercial real estate loans.
SEC 10-Q • 5mo ago AI analysis › Press Release ⚠ 2
Orange County Bancorp, Inc. Announces Record First Quarter Earnings:
Orange County Bancorp reported record first quarter earnings with net income rising 29.6% year-over-year to $11.3 million, driven by a 45 basis point expansion in net interest margin to 4.40%.
Operational metrics improved as deposits grew by $39.4 million and the efficiency ratio bettered to 55.9%, though Wealth Management AUM declined 13% due to market volatility.
Asset quality deteriorated with non-performing loans jumping to 1.34% of total loans, largely due to a single commercial real estate participation loan tied to a borrower bankruptcy.
• 5mo ago AI analysis › News
Orange County Bancorp (OBT) to Release Quarterly Earnings on Wednesday
defenseworld.net • 5mo ago 
