Orange County Bancorp, Inc. Announces Record Third Quarter Earnings
Orange County Bancorp posted record Q3 2026 earnings, with net income of $12.5 million ($0.93 per diluted share), up 24.6% and 24.2% respectively from a year ago. Net interest margin expanded 19 bps to 4.45% as core deposit growth of $56.0 million (to $2.4 billion) cut deposit costs to 0.96% and reduced reliance on brokered deposits and borrowings. Total loans reached $2.0 billion. Book value per share grew 8.3% to $23.04, and the bank remains well capitalized (Tier 1 to risk-weighted assets of 17.99%).
Key figures
- Eps
- 0.93
- Revenue
- 0
- Revenue Yoy
- 0
- Npl ratio
- 0.98%
- Net income
- 12486000
- Total loans
- 2000000000
- Total assets
- 2737747000
- Deposit growth
- $56.0 million / 2.4%
- Net income yoy
- 24.6%
- Nine month eps
- 2.8
- Total deposits
- 2366340000
- Cost of deposits
- 0.96%
- Efficiency ratio
- 48.8%
- Allowance to loans
- 1.38%
- Nim yoy change bps
- 19
- Net interest income
- 29921000
- Net interest margin
- 4.45%
- Book value per share
- 23.04
- Non performing loans
- 19362000
- Return on avg assets
- 1.81%
- Aum wealth management
- 1641971000
- Nine month net income
- 37429000
- Net interest income yoy
- 11.0%
- Tangible book value per share
- 22.62
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