Orange County Bancorp director receives stock grant

Orange County Bancorp director Olga Luz Tirado received an equity award of 866 shares of common stock on February 19, 2026 as a grant or other acquisition, increasing her directly held common shares to 2,963.

Rhea-AI Filing Summary

Orange County Bancorp director Olga Luz Tirado received an equity award of 866 shares of common stock on February 19, 2026 as a grant or other acquisition, increasing her directly held common shares to 2,963.

She also holds 375 phantom stock units, each economically equivalent to one common share and payable upon her separation from service as a director. Related restricted stock units vest 100% in February 2026 and February 2027 and are settled in common shares upon separation from service.

Insider Trade Summary

Grant/Award: 866 shares

Grant/Award 2 txns

Insider Tirado Olga Luz

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	866	$0.00	$0.00
holding	Phantom Stock	--	--	--

Holdings After Transaction: Common Stock — 2,963 shares (Direct); Phantom Stock — 375 contracts (Direct)

Footnotes (3)

1. F1. Includes restricted stock units which vest 100% on February 20, 2026 and are settled in shares of Issuer common stock upon separation from service of the reporting person.
2. F2. Each share of phantom stock is the economic equivalent of one share of common stock and becomes payable upon the reporting person's separation of service as a director.
3. F3. Restricted stock units which vest 100% on February 19, 2027, and are settled in shares of Issuer common stock upon separation from service of the reporting person.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Orange County Bancorp (OBT) report for Olga Luz Tirado?

Orange County Bancorp reported that director Olga Luz Tirado received an award of 866 shares of common stock on February 19, 2026. This grant increased her directly held common shares to 2,963, reflecting a non-cash equity compensation transaction rather than an open-market purchase.

At what price were the 866 Orange County Bancorp (OBT) shares granted to Olga Luz Tirado?

The 866 shares of Orange County Bancorp common stock granted to director Olga Luz Tirado carried a reported price per share of $0.0000. This indicates a stock grant or award as compensation, not a cash purchase, consistent with the Form 4 description of a grant or other acquisition.

How many Orange County Bancorp (OBT) shares does Olga Luz Tirado hold after this Form 4 transaction?

Following the February 19, 2026 award, Olga Luz Tirado directly holds 2,963 shares of Orange County Bancorp common stock. This total includes the newly granted 866 shares and represents her direct ownership position as reported in the Form 4 filing after the transaction.

What are the phantom stock units reported for Orange County Bancorp (OBT) director Olga Luz Tirado?

Olga Luz Tirado holds 375 phantom stock units, each economically equivalent to one Orange County Bancorp common share. These units become payable upon her separation from service as a director, functioning as deferred compensation tied to the value of the company’s common stock.

How do the restricted stock units for Orange County Bancorp (OBT) director Olga Luz Tirado vest and settle?

Restricted stock units referenced for Olga Luz Tirado vest 100% in February 2026 and February 2027. Upon her separation from service, these units are settled in shares of Orange County Bancorp common stock, providing equity-based compensation aligned with her continued board service.

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

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Accepted by SEC EDGAR 02/23/2026 - 04:01 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Tirado Olga Luz

(Last) (First) (Middle)

212 DOLSON AVENUE

(Street)

MIDDLETOWN NY 10940

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Orange County Bancorp, Inc. /DE/ [ OBT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/19/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/19/2026		A		866(3)	A	$0	2,963(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Phantom Stock	(2)							(2)	(2)	Common Stock	375		375	D

Explanation of Responses:

1. Includes restricted stock units which vest 100% on February 20, 2026 and are settled in shares of Issuer common stock upon separation from service of the reporting person.

2. Each share of phantom stock is the economic equivalent of one share of common stock and becomes payable upon the reporting person's separation of service as a director.

3. Restricted stock units which vest 100% on February 19, 2027, and are settled in shares of Issuer common stock upon separation from service of the reporting person.

	/s/ Jennifer Staub, pursuant to power of attorney	02/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.