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Orange County Bancorp, Inc. (OBT), parent of Orange Bank & Trust Company and Orange Investment Advisors, Inc., declared a $0.18 cash dividend per share on its common stock. The dividend is payable on September 15, 2026 to shareholders of record as of September 4, 2026.
Orange Bank & Trust Company has grown over more than 125 years to approximately $2.6 billion in total assets1996 and was acquired by Orange County Bancorp, Inc. in 2012.
Orange County Bancorp, Inc. (OBT) reported substantially higher profitability for the first half of 2026. Total assets were $2.80 billion and deposits $2.43 billion as of June 30, 2026, both up from December 31, 2025, while stockholders’ equity increased to $306.6 million.
For the quarter ended June 30, 2026, net income was $13.7 million versus $10.5 million a year earlier, and basic and diluted EPS were $1.02 versus $0.87. For the six-month period, net income rose to $24.9 million from $19.2 million, with EPS of $1.87 versus $1.64. Net interest income grew, supported by higher loan and cash-yield income and lower interest expense on time deposits and FHLB advances, and the company recorded a net credit to the provision for credit losses on loans. These gains were partly offset by a $4.8 million valuation loss on loans transferred to held-for-sale and weaker noninterest income compared with 2025, as prior-period securities gains, insurance proceeds, and asset sale gains did not repeat. Nonaccrual loans increased to $18.8 million, and the allowance for credit losses on loans stood at $26.3 million. Cash and cash equivalents rose sharply to $334.9 million.
Orange County Bancorp, Inc. senior vice president and Chief Credit Officer Stephen Rooney reported a sale of 1,500 shares of Common Stock on August 4, 2026, at $38.71 per share in an open-market or private transaction. After this sale, he directly holds 8,606 shares, a total that includes restricted stock units vesting in three equal annual installments beginning March 21, 2025, March 20, 2026, and March 19, 2027.
Orange County Bancorp executive Gregory Sousa, EVP and Deputy CLO, reported sales of 3,047 shares of common stock at $38.75 per share on July 30 and August 3, 2026. As of July 30, he also reported 7,065 shares held indirectly via a 401(k), 4,969 underlying shares of phantom stock tied to a Performance-Based SERP, and restricted stock units scheduled to vest in thirds from 2025 through 2027.
Orange County Bancorp, Inc. reported record second-quarter 2026 net income of $13.7 million, up 30.6% from $10.5 million a year earlier, with earnings per share rising to $1.02 from $0.87. For the first half of 2026, net income was $24.9 million versus $19.2 million, and quarterly return on average assets reached 2.03%.
Results reflected a 13.1% increase in net interest income to $28.4 million, a $1.0 million net recovery in the provision for credit losses, and a $5.3 million reversal of deferred tax valuation allowance, partly offset by a $4.8 million valuation loss on loans held-for-sale and weaker noninterest income. Net interest margin expanded to 4.44% from 4.06%, while total deposits grew 5.2% to $2.4 billion and average deposit costs declined.
Total assets increased to $2.8 billion, and tangible book value per share rose to $22.44. Asset quality metrics softened as non-performing loans increased to $22.2 million, or 1.16% of total loans, and allowance coverage of non-performing loans fell, although regulatory capital ratios remained well above well-capitalized standards.
Rowley Richard B reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Richard B. Rowley received a grant of phantom stock on July 22, 2026, economically equivalent to 54 shares of common stock at $37.1900 per share. After this award, he holds 26,691.0000 phantom stock equivalents and 537,134.0000 common-stock-related shares, including restricted stock units that settle in shares upon separation from service.
Rouis Jonathan F reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Jonathan F. Rouis reported updated holdings and a new equity-based award. On July 1, 2026, he received a grant of phantom stock, economically equivalent to the value of common shares, tied to 120 shares of common stock at a reference price of $37.46 per share. Following this grant, his phantom stock balance totals 7,380 units, which become payable in common stock value when his service as a director ends.
As of the same date, Rouis also reports ownership of 9,166 shares of common stock held directly and 400 shares held indirectly through his spouse. Footnotes clarify that his holdings include restricted stock units that either vest immediately on grant or vest on February 19, 2027, in each case settling in common stock upon his separation from service.
Tirado Olga Luz reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Olga Luz Tirado reported updated holdings and a new equity-based award. Following the latest Form 4, she directly holds 2,963 shares of Orange County Bancorp common stock, including restricted stock units that vest 100% on February 19, 2027 and are settled in shares upon separation from service.
She also received a grant of phantom stock, leaving her with 317 phantom stock units, each economically equivalent to one share of common stock and payable upon her separation of service as a director. The phantom stock relates to 33 underlying shares of common stock and represents compensation rather than an open-market trade.
HOLCOMBE GREGORY F reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Gregory F. Holcombe reported updated equity holdings and a new phantom stock grant. He received a grant of phantom stock economically equivalent to 605 shares of common stock at $37.46 per share, increasing his phantom stock balance to 25,579 units.
The filing also lists indirect common stock holdings held by several trusts and a foundation, along with directly held common shares. These awards and holdings are part of his director compensation and become payable or settle in common stock upon his separation from service, based on the footnote terms.
Keane Kevin J reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Kevin J. Keane received a compensation grant of phantom stock tied to 536 shares of common stock. The award was priced at $37.4600 per phantom share, each economically equivalent to one common share and payable upon his separation from service as a director.
Following this grant, Keane holds 18,730 phantom stock units. As of the same date, his common stock holdings total 19,266 shares directly, plus 7,400 shares held indirectly through a partnership and 832 shares held indirectly through a 401(k) plan.