Every 10-Q that Orange County Bancorp, Inc. (OBT) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OBT and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OBT filings page.
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 reported stronger first‑quarter 2026 results, with net income of $11,284,000, up from $8,704,000 a year earlier. Basic and diluted earnings per share rose to $0.85 from $0.77 on weighted average shares of 13.35 million.
Net interest income increased to $27,901,000 from $23,628,000, helped by higher interest and fees on loans of $29,790,000. The company recorded a credit for loan credit losses of $436,000 versus a $202,000 provision, supporting profit growth.
Total assets reached $2,705,620,000 as of March 31, 2026, slightly above year‑end. Loans were stable at $1,951,963,000, while deposits rose to $2,349,723,000. Noninterest income edged down to $4,177,000, and noninterest expense rose to $17,924,000, reflecting higher salaries and benefits.
Orange County Bancorp, Inc. reported Q3 2025 results. Net income was $10,019 thousand and basic and diluted EPS were $0.75. Net interest income rose to $26,947 thousand as interest expense declined year over year, while the provision for credit losses on loans was $3,876 thousand. Noninterest income reached $6,787 thousand, supported by trust and investment advisory fees.
Total assets were $2,636,450 thousand and total deposits were $2,278,870 thousand. Loans grew to $1,935,676 thousand and the allowance for credit losses increased to $29,287 thousand. Accumulated other comprehensive loss improved to $(52,151) thousand, reflecting higher unrealized gains net of tax in the quarter.
The company strengthened funding and capital: short‑term FHLB advances decreased to $22,500 thousand, subordinated notes were $24,483 thousand (net), and stockholders’ equity increased to $270,120 thousand, aided by a June 2025 capital raise of $43,560 thousand. Cash and cash equivalents ended at $189,880 thousand. As of November 5, 2025, 13,366,740 common shares were outstanding.
Orange County Bancorp reported a quarter with asset growth, higher earnings and a material capital raise. Total assets were $2,606,263, supported by $1,917,802 of loans (net $1,889,394 after an allowance of $28,408) and total deposits of $2,276,723. Cash and cash equivalents ended at $175,606. Stockholders' equity rose to $252,589 from $185,531, reflecting issuance of 1,978,494 shares and net capital proceeds of $43,685.
On the income statement, quarterly net income was $10,461 versus $8,213 a year earlier, and six‑month net income was $19,165 versus $17,503. Basic and diluted earnings per share were $0.87 for the quarter and $1.64 for six months. Net interest income increased to $25,140 for the quarter and noninterest income rose to $7,316. Credit metrics show a $2,113 provision for loan losses this quarter, an allowance for credit losses of $28,408, $11.7 million in nonaccrual loans (with a related ACL of ~$1.3 million), and unrealized losses on available‑for‑sale securities of $68,099 recorded in accumulated other comprehensive loss of ($61,436).