Orange County Bancorp (OBT) credit chief awarded shares, some withheld for taxes

Rhea-AI Filing Summary

Orange County Bancorp SVP and Chief Credit Officer Stephen Rooney reported routine equity compensation activity. He received a grant of 2,812 shares of Common Stock on March 19, 2026 at no cost as a stock award, increasing his direct holdings.

On the same date, 841 shares were disposed of at $31.15 per share to cover tax obligations, a non-market transaction that does not represent an open-market sale. After these entries, Rooney directly holds 10,106 shares of Common Stock, including restricted stock units that are scheduled to vest in annual thirds starting in 2025, 2026, and 2027.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Rooney Stephen

Role SVP, Chief Credit Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,812	$0.00	--
Tax Withholding	Common Stock	841	$31.15	$26K

Holdings After Transaction: Common Stock — 10,947 shares (Direct)

Footnotes (1)

1. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 21, 2025. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 20, 2026. Restricted stock units which vest at a rate of 1/3 per year commencing on March 19, 2027.

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Form 4 Insider Transactions: What Each Field Means →

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^*

Rooney Stephen

(Last) (First) (Middle)

212 DOLSON AVENUE

(Street)

MIDDLETOWN NEW YORK 10940

(City) (State) (Zip)

UNITED STATES

(Country)

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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP, Chief Credit Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/19/2026

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

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

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

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	03/19/2026		A		2,812(3)	A	$0	10,947(1)(2)	D
Common Stock	03/19/2026		F		841	D	$31.15	10,106(1)(2)	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

Explanation of Responses:

1. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 21, 2025.

2. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 20, 2026.

3. Restricted stock units which vest at a rate of 1/3 per year commencing on March 19, 2027.

	/s/ Jennifer Staub, pursuant to power of attorney	03/23/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What did Orange County Bancorp (OBT) insider Stephen Rooney report in this Form 4?

Stephen Rooney reported a stock award and related tax withholding. He received 2,812 shares of Common Stock as a grant and had 841 shares withheld at $31.15 per share to satisfy tax obligations tied to his equity compensation.

Did Stephen Rooney buy or sell Orange County Bancorp (OBT) stock on the open market?

No open-market purchases or sales were reported. The filing shows a grant of 2,812 Common Stock shares at no cost and a 841-share disposition solely to cover tax liability, not a discretionary market trade.

How many Orange County Bancorp (OBT) shares does Stephen Rooney hold after this Form 4?

Stephen Rooney directly holds 10,106 Common Stock shares after the reported transactions. This total reflects his position following the 2,812-share award and the 841-share tax-withholding disposition recorded on March 19, 2026.

What was the purpose of the 841-share disposition in the OBT Form 4?

The 841-share disposition was for tax withholding. Shares were delivered at $31.15 per share to satisfy exercise price or tax liability, a mechanical step often associated with equity awards rather than a voluntary stock sale.

What role does Stephen Rooney hold at Orange County Bancorp (OBT)?

Stephen Rooney serves as Senior Vice President and Chief Credit Officer. His Form 4 reports changes in his ownership of OBT Common Stock resulting from equity compensation awards and related tax-withholding transactions on March 19, 2026.

Do Stephen Rooney’s Orange County Bancorp (OBT) holdings include restricted stock units?

Yes, his holdings include restricted stock units (RSUs). Footnotes state that some RSUs vest in equal one-third installments beginning on March 21, 2025, March 20, 2026, and March 19, 2027, adding to his future share ownership over time.