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Orange County Bancorp, Inc. Named to KBW’s Bank Honor Roll

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(Very Positive)
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Orange County Bancorp (Nasdaq: OBT) was named to the 2026 KBW Bank Honor Roll, its first inclusion, recognizing it as one of 17 high-performing banks, representing about 6% of eligible banks.

In 2025, the company reported record net income of $41.6 million, nearly 50% above 2024, expanded net interest margin by 35 bps to 4.18%, and increased loans 7.4% to $2.0 billion and deposits 7.3% to $2.3 billion. The bank was also honored on Bank Director’s Best U.S. Banks 2025 list and Piper Sandler’s Sm-All Star Class of 2025.

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Positive

  • Record 2025 net income of $41.6 million, up nearly 50% year-over-year
  • Net interest margin expanded 35 basis points to 4.18% in 2025
  • Loan portfolio grew 7.4% to $2.0 billion at 2025 year-end
  • Deposits increased by $157 million, or 7.3%, to $2.3 billion in 2025
  • Named to 2026 KBW Bank Honor Roll as one of 17 banks
  • Also recognized by Bank Director and Piper Sandler Sm-All Star Class of 2025

Negative

  • None.

News Market Reaction – OBT

+2.11%
+2.11% Session close to close

In the May 18 session, OBT gained 2.11%, reflecting a moderate positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement highlights Orange County Bancorp’s inclusion on KBW’s Bank Honor Roll, underscorin...
Analysis

This announcement highlights Orange County Bancorp’s inclusion on KBW’s Bank Honor Roll, underscoring a decade of strong and consistent earnings growth and record 2025 net income of $41.6M. It reinforces earlier milestones such as record full‑year and Q1 results and prior industry accolades. Investors may monitor how sustained loan and deposit growth, margin levels around 4.18%, and future profitability trends support continued recognition and long‑term performance.

Key Figures

2025 net income: $41.6M 2024 net income: $27.9M Net income growth: nearly 50% +5 more
8 metrics
2025 net income $41.6M Full year 2025 earnings
2024 net income $27.9M Prior year comparison for 2025
Net income growth nearly 50% 2025 vs prior year net income increase
Net interest margin 4.18% 2025 net income margin after 35 bps expansion
Loan portfolio $2.0B Year-end 2025 loans, up 7.4% vs 2024
Deposit balance $2.3B Year-end 2025 deposits, up $157M or 7.3%
KBW Honor Roll banks 17 banks Count of elite high-performing banks in 2026 list
Eligible bank share 6% 2026 Honor Roll as a share of eligible banks

Historical Context

5 past events · Latest: Apr 28 (Positive)
Pattern 5 events
Date Event Sentiment 24h Move Catalyst
Apr 28 Record Q1 earnings Positive -6.2% Record Q1 2026 net income and margin expansion with deposit growth.
Feb 20 Cash dividend declared Positive -3.2% Declared $0.18 per share cash dividend with specified record and pay dates.
Feb 11 Portfolio managers added Neutral +0.1% Appointed two portfolio managers to strengthen Orange Investment Advisors team.
Feb 04 Record 2025 earnings Positive +4.6% Reported record 2025 net income, higher EPS, loans and deposits growth.
Nov 24 Dividend increase Positive +3.9% Increased cash dividend, declaring $0.18 per share to common holders.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent history shows mixed alignment: record earnings and dividend hikes have sometimes been followed by negative next-day moves, indicating occasional divergence between strong fundamentals and short-term price reaction.

Recent Company History

Over the past six months, Orange County Bancorp has repeatedly highlighted strong fundamentals, including record fiscal 2025 earnings on Feb 4 and record Q1 2026 results on Apr 28. Dividend announcements on Nov 24, 2025 and Feb 20, 2026 underscored a returning-capital profile. Strategic hiring at Orange Investment Advisors on Feb 11 supported growth in wealth management. Today’s KBW Bank Honor Roll recognition echoes this narrative of sustained earnings growth and industry acknowledgment.

Key Terms

basis points, net income margin, earnings per share compound annual growth rate
3 terms
basis points financial
"The Company also expanded its net income margin 35 basis points, to 4.18%"
Basis points are a way to measure small changes in interest rates or percentages, where one basis point equals 0.01%. For example, if a loan's interest rate increases by 50 basis points, it's gone up by 0.50%. They help people understand tiny differences in rates that can add up over time, making financial comparisons clearer.
net income margin financial
"The Company also expanded its net income margin 35 basis points, to 4.18%"
Net income margin measures the portion of a company’s sales that remains as profit after paying all costs, interest, and taxes, expressed as a percentage of revenue. It matters to investors because it shows how much profit a business keeps from each dollar of sales—like the slice of a pie left after all the bills are paid—helping compare profitability across companies and track whether management is improving efficiency or facing pressure on margins.
earnings per share compound annual growth rate financial
"top 5% of banks based on 10-year Earnings Per Share Compound Annual Growth Rate"
Earnings per share compound annual growth rate (EPS CAGR) measures how a company's profit per share has grown each year on average over a set period, assuming growth compounds like interest in a savings account. Investors use it to gauge whether a company is consistently increasing the amount of profit attributable to each share, making it easier to compare underlying profit momentum across firms and to project future earnings for valuation decisions.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Recognition follows recent inclusion in Bank Director’s Best U.S. Banks and as a Piper Sandler Sm-All Star

MIDDLETOWN, N.Y., May 18, 2026 (GLOBE NEWSWIRE) -- Orange County Bancorp, Inc. (the “Company” - Nasdaq: OBT), parent company of Orange Bank & Trust Co. (the “Bank”) and Orange Investment Advisors, is pleased to announce its inclusion on the Keefe, Bruyette & Woods ("KBW") Bank Honor Roll. This marks the first time the Company has been named to the Honor Roll, noting it one of 17 elite, high-performing banks with the strongest and/or most consistent earnings growth over the past decade. The banks on the 2026 Honor Roll represent just 6% of eligible banks.

“Being named to the KBW Bank Honor Roll for the first time is a tremendous honor and important milestone for our institution, recognizing the growth, strong financial performance, and long-term strategy that guides everything we do,” said Michael Gilfeather, President and CEO of Orange Bank & Trust Company. “This distinction is a reflection of the trust our clients throughout the Hudson Valley place in us every day, the dedication of our team, and our commitment to being trusted advisors for the communities we serve.”

In 2025, Orange County Bancorp, Inc. earned a record $41.6 million, a nearly 50% increase over $27.9 million earned the prior year. The Company also expanded its net income margin 35 basis points, to 4.18%, increased its loan portfolio 7.4% to $2 billion, and grew deposits by $157 million, or 7.3%, to $2.3 billion at year-end 2025 as compared to year-end 2024.

To be included in the KBW Bank Honor Roll, banks must meet the following criteria: show consistent earnings growth over the past 10 years; be among the top 5% of banks based on 10-year Earnings Per Share Compound Annual Growth Rate; and have more than $500 million in total assets.

This latest recognition builds on the Company’s growing list of industry accolades, including being named to Bank Director’s The Best U.S. Banks (Less Than $5 Billion) 2025 list and designation as a Piper Sandler Sm-All Star Class of 2025 honoree.

“Being recognized by the banking industry on a national scale is a validation of the strength, consistency, and long-term strategy that defines our organization’s success,” said Jonathan Rouis, Chairman, Orange County Bancorp, Inc. “It reflects years of unwavering commitment from our dedicated employees in delivering value to our clients, shareholders, and communities. On behalf of the Board, I couldn’t be prouder of what this team has accomplished.”

Contact:
Candice Varetoni
VP Marketing Officer
cvaretoni@orangebanktrust.com

About Orange 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 more than 134 years ago. It has grown through innovation and an unwavering commitment to its community and business clientele to approximately $2.7 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.


FAQ

What is the KBW Bank Honor Roll recognition for Orange County Bancorp (Nasdaq: OBT) in 2026?

Orange County Bancorp was named to the 2026 KBW Bank Honor Roll, recognizing its strong and consistent earnings growth. According to the company, it is one of 17 elite banks on the list, representing about 6% of all eligible banks.

How did Orange County Bancorp (OBT) perform financially in 2025?

Orange County Bancorp reported record 2025 net income of $41.6 million, nearly 50% above 2024. According to the company, net interest margin rose 35 basis points to 4.18%, with loans up 7.4% to $2.0 billion and deposits up 7.3% to $2.3 billion.

What criteria qualify a bank like Orange County Bancorp (OBT) for the KBW Bank Honor Roll?

To qualify for the KBW Bank Honor Roll, a bank must meet strict earnings and size benchmarks. According to Orange County Bancorp, criteria include consistent 10-year earnings growth, being in the top 5% by 10-year EPS CAGR, and having over $500 million in assets.

How many banks were included with Orange County Bancorp (OBT) on the 2026 KBW Bank Honor Roll?

Seventeen banks, including Orange County Bancorp, were named to the 2026 KBW Bank Honor Roll. According to the company, these 17 institutions represent about 6% of all eligible banks, highlighting a relatively small group of high-performing peers nationwide.

What other industry recognitions has Orange County Bancorp (OBT) recently received?

Orange County Bancorp has also been honored by Bank Director and Piper Sandler in 2025. According to the company, it appeared on Bank Director’s Best U.S. Banks (Less Than $5 Billion) list and was named to the Piper Sandler Sm-All Star Class of 2025.

What does the KBW Bank Honor Roll recognition imply for Orange County Bancorp (OBT) investors?

The KBW Bank Honor Roll highlights Orange County Bancorp’s long-term earnings growth and financial consistency. According to the company, this national recognition reflects years of strategy execution and value delivery for clients and shareholders, potentially reinforcing investor confidence in its performance track record.