Company research
Orange County Bancorp, Inc. /DE/
CIK 1754226Updated Sep 26, 2026
SecurityOBT · NASDAQ · equity
OBT price & chart
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NASDAQ:OBT on TradingView ↗About the company
County Bancorp Inc. Orange County Bancorp, Inc. is the parent company of Orange Bank & Trust Company and Orange Investment Advisors, Inc. Orange Bank & Trust Company is an independent bank that began with the vision of 14 founders over 125 years ago. It has grown through innovation and an unwavering commitment to its community and business clientele to approximately $2.6 billion in total assets. Orange Investment Advisors, Inc. is a Registered Investment Advisor in Goshen, NY. It was founded in 1996 and acquired by the Company in 2012.
In the news
Orange County Bancorp, Inc. Declares Cash Dividend ↗
Recent filings
Regulation FD Disclosure
Items 7.01, 9.01
4 filing
4 filing
4 filing
Other Events
Items 8.01, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 2,659,377,000Source | 2,509,927,000Source | 2,485,468,000Source | 2,287,334,000Source |
| Property, Plant and Equipment, NetUSD | 15,482,000Source | 15,808,000Source | 16,160,000Source | 14,739,000Source |
| GoodwillUSD | 5,359,000Source | 5,359,000Source | 5,359,000Source | 5,359,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 535,000Source | 821,000Source | 1,107,000Source | 1,392,000Source |
| Operating Lease, Right-of-Use AssetUSD | 4,347,000Source | 3,695,000Source | 3,218,000Source | 4,029,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 2,375,013,000Source | 2,324,396,000Source | 2,320,092,000Source | 2,149,196,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 3,344,000Source | 2,842,000Source | 2,842,000Source | 2,842,000Source |
| Additional Paid in CapitalUSD | 164,592,000Source | 120,896,000Source | 120,392,000Source | 120,107,000Source |
| Retained Earnings (Accumulated Deficit)USD | 164,434,000Source | 129,919,000Source | 107,361,000Source | 84,635,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -47,807,000Source | -67,751,000Source | -64,108,000Source | -68,196,000Source |
| Stockholders' Equity Attributable to ParentUSD | 284,364,000Source | 185,531,000Source | 165,376,000Source | 138,138,000Source |
| Liabilities and EquityUSD | 2,659,377,000Source | 2,509,927,000Source | 2,485,468,000Source | 2,287,334,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 41,614,000Source | 27,883,000Source | 29,478,000Source | 24,363,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Deferred Income Tax Expense (Benefit)USD | -391,000Source | 842,000Source | -207,000Source | -1,344,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 43,849,000Source | 34,603,000Source | 44,500,000Source | 30,483,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -74,152,000Source | -29,419,000Source | -144,922,000Source | -434,107,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 2,516,000Source | 1,730,000Source | 3,536,000Source | 1,545,000Source |
| Cash flows from financing activities: | ||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 84,201,000Source | -2,233,000Source | 161,724,000Source | 183,526,000Source |
| Dividends paid | — | — | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 53,898,000Source | 2,951,000Source | 61,302,000Source | -220,098,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 204,232,000Source | 150,334,000Source | 147,383,000Source | 86,081,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 30,535,000Source | 36,919,000Source | 27,533,000Source | 6,118,000Source |
| Income Taxes Paid, NetUSD | 10,132,000Source | — | — | — |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseUSD | 1,143,000Source | 1,753,000Source | 818,000Source | 503,000Source |
| Amortization of Debt Issuance CostsUSD | 76,000Source | 71,000Source | 73,000Source | 71,000Source |
| Amortization of Intangible AssetsUSD | 286,000Source | 286,000Source | 285,000Source | 286,000Source |
| Bank Owned Life Insurance IncomeUSD | 878,000Source | 815,000Source | 984,000Source | 950,000Source |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotPreviouslyRecordedUSD | — | -1,900,000Source | 5,000,000Source | — |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -568,000Source | — | 107,000Source | — |
| DepreciationUSD | 1,543,000Source | 1,661,000Source | 1,681,000Source | 1,407,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 7,842,000Source | 9,586,000Source | 3,014,000Source | — |
| Gain (Loss) on Extinguishment of DebtUSD | -500,000Source | — | — | — |
| GoodwillUSD | 5,359,000Source | 5,359,000Source | 5,359,000Source | 5,359,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 9,942,000Source | 6,935,000Source | 7,671,000Source | 5,914,000Source |
| Net Income (Loss) Attributable to ParentUSD | 41,614,000Source | 27,883,000Source | 29,478,000Source | 24,363,000Source |
| Operating Lease, ExpenseUSD | 1,275,000Source | 1,022,000Source | 992,000Source | 911,000Source |
| Proceeds from Issuance of Common StockUSD | 43,389,000Source | — | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 16,602,000Source | 10,161,000Source | 4,128,000Source | 8,634,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 7,748,000Source | 7,710,000Source | 7,868,000Source | 9,517,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 51,556,000Source | 34,818,000Source | 37,149,000Source | 30,277,000Source |
| Income Tax Expense (Benefit)USD | 9,942,000Source | 6,935,000Source | 7,671,000Source | 5,914,000Source |
| Net Income (Loss) Attributable to ParentUSD | 41,614,000Source | 27,883,000Source | 29,478,000Source | 24,363,000Source |
| Earnings Per Share, BasicUSD per share | 3.33Source | 2.47Source | 5.24Source | 4.33Source |
| Earnings Per Share, DilutedUSD per share | 3.33Source | 2.47Source | 5.24Source | 4.33Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 12,508,985Source | 11,303,118Source | 5,629,150Source | 5,621,630Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 12,508,985Source | 11,303,118Source | 5,629,150Source | 5,621,630Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 286,000Source | 286,000Source | 285,000Source | 286,000Source |
| Bank Owned Life Insurance IncomeUSD | 878,000Source | 815,000Source | 984,000Source | 950,000Source |
| Current Income Tax Expense (Benefit)USD | 10,333,000Source | 7,911,000Source | 7,568,000Source | 6,872,000Source |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotPreviouslyRecordedUSD | — | -1,900,000Source | 5,000,000Source | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 7,842,000Source | 9,586,000Source | 3,014,000Source | — |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | 51,556,000Source | — | — | — |
| Interest ExpenseUSD | — | — | 29,379,000Source | 6,135,000Source |
| Interest Expense, DebtUSD | — | — | — | 154,000Source |
| InterestExpenseOperatingUSD | 30,926,000Source | 35,461,000Source | — | — |
| Interest Income (Expense), NetUSD | 104,056,000Source | 91,766,000Source | 88,391,000Source | 78,088,000Source |
| Labor and Related ExpenseUSD | 28,394,000Source | 27,475,000Source | 24,747,000Source | 22,461,000Source |
| Operating Lease, ExpenseUSD | 1,275,000Source | 1,022,000Source | 992,000Source | 911,000Source |
| Revenue Not from Contract with Customer, OtherUSD | 1,377,000Source | 784,000Source | 198,000Source | 139,000Source |
Filing attachments
tm2625928d1_ex99-1.htm · 8-K · 2026-09-23
Exhibit 99.1 INVESTOR Presentation September 2026 Second Quarter, 2026 Results Safe Harbor Statement and Disclaimer Forward - Looking Statements This presentation and any other written or oral statements made by us from time to time may contain forward - looking statements w ithin the meaning of the Private Securities Litigation Reform Act of 1995, which may be identified by the use of such words as “may,” “believe,” “expect,” “anticipate,” “consider,” “should,” “pl an, ” “estimate,” “predict,…
Read attachment ↗tm2623786d1_ex99-1.htm · 8-K · 2026-08-21
EX-99.1 2 tm2623786d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Orange County Bancorp, Inc. Declares Cash Dividend Middletown, NY., August 21, 2026 - Orange County Bancorp, Inc. (Nasdaq: OBT), parent company of Orange Bank & Trust Company and Orange Investment Advisors, Inc. today announced a declaration of a $0.18 cash dividend per share of its common stock. The dividend will be paid on September 15, 2026 to shareholders of record on September 4, 2026. About Orange Coun…
Read attachment ↗ex99-1_8k072826.htm · 8-K · 2026-07-28
EX-99.1 5 ex99-1_8k072826.htm EX-99.1 FOR IMMEDIATE RELEASE Orange County Bancorp, Inc. Announces Record Second Quarter Earnings: Net Income increased $3.2 million, or 30.6%, to $13.7 million for the quarter ended June 30, 2026, from $10.5 million for the quarter ended June 30, 2025, marking record second quarter earnings Net Interest Margin increased 38 basis points, or 9.4%, to 4.44% for the three months ended June 30, 2026, from 4.06% for the three months ended June 30, 2025 Total D…
Read attachment ↗tm2615483d1_ex99-1.htm · 8-K · 2026-05-22
EX-99.1 2 tm2615483d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Orange County Bancorp, Inc. Declares Cash Dividend Middletown, NY., May 22, 2026 - Orange County Bancorp, Inc. (Nasdaq: OBT), parent company of Orange Bank & Trust Company and Orange Investment Advisors, Inc. today announced a declaration of a $0.18 cash dividend per share of its common stock. The dividend will be paid on June 15, 2026 to shareholders of record on June 4, 2026. About Orange County Bancorp In…
Read attachment ↗ex99-1_8k042826.htm · 8-K · 2026-04-28
EX-99.1 2 ex99-1_8k042826.htm PRESS RELEASE DATED APRIL 28, 2026 EXHIBIT 99.1 FOR IMMEDIATE RELEASE Orange County Bancorp, Inc. Announces Record First Quarter Earnings: Net Income increased $2.6 million, or 29.6%, to $11.3 million for the quarter ended March 31, 2026, from $8.7 million for the quarter ended March 31, 2025, marking record first quarter earnings Net Interest Margin increased 45 basis points, or 11.4%, to 4.40% for the three months ended March 31, 2026, from 3.95% for…
Read attachment ↗