Orange County Bancorp, Inc. /DE/ (OBT) Form 8-K — Oct 28, 2026
Orange County Bancorp (Nasdaq: OBT) reported record third quarter 2026 earnings, with net income up 24.6% year over year to $12.5 million, or $0.93 per share, and nine-month net income of $37.4 million ($2.80 per share). Net interest margin expanded 19 basis points to 4.45% as deposits grew $56.0 million to $2.4 billion and the average cost of deposits fell to 0.96%, while loans grew to $2.0 billion.
Key figures
- Eps
- 0.93
- Revenue
- $36.2 million total interest income for Q3 2026
- Net Income
- 12486000
- Total Assets
- 2737747000
- Cash Position
- $244.6 million cash and due from banks at September 30, 2026
- Shares Outstanding
- 13411153
- Loan yield
- 6.19%
- Total loans
- $2.0 billion, up $31.2 million in the quarter
- Nine month eps
- $2.80 vs $2.39 prior year
- Total deposits
- $2.4 billion, up $56.0 million or 2.4%
- Tier 1 leverage
- 13.19%
- Cost of deposits
- 0.96%, down 16 bps YoY
- Efficiency ratio
- 48.8% vs 49.9%
- Net income yoy pct
- 24.6
- Q3 2025 net income
- $10.0 million
- Net interest margin
- 4.45%, up 19 bps from 4.26%
- Non interest income
- $5.4 million, down 20.8% YoY
- Stockholders equity
- $309.0 million, up 8.7%
- Book value per share
- $23.04, up 8.3% from $21.27
- Non interest expense
- $17.2 million, up 2.3% YoY
- Non performing loans
- $19.4 million, 0.98% of total loans
- Nine month net income
- $37.4 million (up 28.3% YoY)
- Wealth management aum
- $1.6 billion, down 13.0% from $1.9 billion
- Provision for credit losses
- $809 thousand vs $3.9 million prior year
- Tangible book value per share
- $22.62
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