Every 8-K 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 8-K covers material events a company has to report between its quarterly 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) distributed a September 2026 investor presentation covering its operating and growth strategies and financial performance; the presentation will be reviewed with analysts and institutional investors at the Stephens Bank Forum 2026 on September 24, 2026. Its June 30, 2026 snapshot lists $2.8 billion in total assets, $2.4 billion in deposits, $1.9 billion in net loans and $1.7 billion in assets under management.
For the six months ended June 30, 2026, OBT reported $24.943 million in net income, diluted earnings per share of $1.87 and a net interest margin of 4.42%. The presentation lists core deposits at 98.5% of total funding and a 96-basis-point cost of deposits. It also reports $22.2 million in non-performing loans (1.16% of total loans) and a $26.3 million loan loss reserve (119% of non-performing loans).
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. 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.
Orange County Bancorp, Inc. reported that stockholders approved all proposals at its Annual Meeting held on May 26, 2026. Three director nominees, including Michael J. Gilfeather, Marianna R. Kennedy, and Richard B. Rowley, were each elected to three-year terms with strong majorities and broker non-votes reported.
Stockholders also approved an additional proposal with 10,383,141 votes for, 3,697 against, and 153,176 abstentions, with no broker non-votes. The meeting outcomes confirm continued stockholder support for the company’s board and agenda as presented in its definitive proxy statement dated April 15, 2026.
Orange County Bancorp, Inc. declared a cash dividend of $0.18 per share on its common stock. The dividend will be paid on June 15, 2026 to shareholders of record as of June 4, 2026. A press release with these details is included as an exhibit.
The company is the parent of Orange Bank & Trust Company and Orange Investment Advisors, Inc. Orange Bank & Trust Company has grown to approximately $2.6 billion in total assets, reflecting its long-standing community and commercial banking focus.
Orange County Bancorp, Inc. reported record first quarter 2026 results, with net income rising to $11.3 million, or $0.85 per share, from $8.7 million, or $0.77 per share, a year earlier. Earnings growth was driven by higher net interest income and a recovery in credit loss provisions, partly offset by higher operating expenses.
Net interest income increased to $27.9 million, up 18.1%, as net interest margin expanded to 4.40% from 3.95% on higher loan yields and lower funding costs. Total deposits grew to $2.35 billion, helping keep FHLB borrowings low and boosting cash balances to $257.5 million.
Book value per share increased to $21.75 and tangible book value per share to $21.32, supported by earnings despite higher unrealized losses on securities. Asset quality weakened, with non‑performing loans rising to $26.1 million, or 1.34% of total loans, mainly from a commercial real estate participation loan placed on non‑accrual. Wealth Management assets under management and advisory fell to $1.64 billion from $1.89 billion, reducing fee income. Capital ratios remained strong, including a Tier 1 capital-to-average-assets ratio of 12.80%.
Orange County Bancorp, Inc. extended the employment agreement of President and CEO Michael J. Gilfeather through March 31, 2029, keeping him in his current roles at both the holding company and Orange Bank & Trust Company. The company also amended his supplemental executive retirement plan to add a discretionary employer contribution of $125,000 for the 2028 plan year, which will fully vest on March 30, 2029. All other terms of both the employment agreement and the SERP participation agreement remain unchanged, indicating a targeted adjustment to retain leadership rather than a broad overhaul of compensation arrangements.
Orange County Bancorp, Inc. declared a cash dividend of $0.18 per share on its common stock. The dividend will be paid on March 16, 2026 to shareholders who are on record as of March 4, 2026.
The company, parent of Orange Bank & Trust Company and Orange Investment Advisors, reports that Orange Bank & Trust has grown to approximately $2.6 billion in total assets, reflecting its long-standing presence and focus on community and business clients.
Orange County Bancorp, Inc. reported that it has issued a press release with its financial results for the three and twelve months ended December 31, 2025. The company furnished this press release to the SEC as Exhibit 99.1 to this Form 8-K, specifying that it is being furnished rather than filed.
Orange County Bancorp, Inc. reported that its board approved a cash dividend increase and declaration for common shareholders. The company raised its quarterly dividend by $0.05 and declared a $0.18 cash dividend per share of its common stock. The dividend will be paid on December 16, 2025 to shareholders who are on record as of December 4, 2025. The announcement reinforces that the bank is returning cash to shareholders through regular dividend payments.
Orange County Bancorp, Inc. (OBT) furnished an investor slide presentation as Exhibit 99.1 under Item 7.01 (Regulation FD Disclosure). The materials will be reviewed with certain analysts and institutional investors at the Piper Sandler Financial Services Conference on November 11, 2025.
The company states the presentation is furnished, not filed, and will not be incorporated by reference into Securities Act or Exchange Act filings except by specific reference. No financial statements or pro forma financial information are included.
Orange County Bancorp, Inc. reported that it has released its financial results for the three and nine months ended September 30, 2025. The company furnished these quarterly and year-to-date results through a press release dated October 29, 2025, which is attached as an exhibit to this current report. The press release provides the detailed financial performance information investors would use to evaluate the company’s recent operating trends.
Orange County Bancorp, Inc. filed a Current Report on Form 8-K reporting that, on October 10, 2025, it delivered a notice to its directors and executive officers describing limitations on trading the company’s common stock. The notice concerns restrictions that apply to insiders and is provided as an exhibit to the filing. The company’s common stock trades under the ticker OBT and has a par value of $0.25. The filing is signed by the company’s Chief Financial Officer.
Orange County Bancorp, Inc. disclosed entry into a material definitive agreement and the creation of a direct financial obligation related to a new subordinated note offering. The exhibits include the form of a 6.50% Fixed-to-Floating Rate Subordinated Note due 2035, a Subordinated Note Purchase Agreement form and an investor presentation. No financial statements or pro forma schedules were provided and no shell company transactions are reported. The filing lists the company contact and the CFO as the signing executive.
Orange County Bancorp, Inc. reports that Director Gustave “Gus” J. Scacco resigned from its Board of Directors effective September 2, 2025. On the same date, Mr. Scacco also resigned as Chief Executive Officer and Chief Investment Officer of Hudson Valley Investment Advisors, Inc., a subsidiary of the company. The filing does not describe any changes to his duties beyond these resignations or name successors, but it confirms that board and leadership responsibilities at the investment advisory subsidiary will transition to other individuals.
Orange County Bancorp, Inc., the parent of Orange Bank & Trust Company and Hudson Valley Investment Advisors, Inc., declared a $0.13 cash dividend per share on its common stock. The dividend is payable on September 16, 2025 to shareholders of record as of September 8, 2025, meaning investors holding the shares on that date will receive the payment. The company also noted that a press release describing the dividend declaration is included as an exhibit to this report.