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Orange County Bancorp (OBT) director adds phantom stock award and updates holdings

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Form Type
4

Rhea-AI Filing Summary

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.

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Insider Rowley Richard B
Role Director
Type Security Shares Price Value
Grant/Award Phantom Stock F3 -- $37.19 --
holding Common Stock F1, F2 -- -- --
Holdings After Transaction: Phantom Stock — 26,691 shares (Direct); Common Stock — 537,134 shares (Direct)
Footnotes (3)
  1. F1. Includes restricted stock units which vest 100% as of the date of grant and are settled in shares of Issuer common stock upon separation from service of the reporting person.
  2. F2. Includes 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.
  3. F3. 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.
Phantom stock grant 54.0000 shares Grant of phantom stock on July 22, 2026, economically equivalent to common shares
Grant reference price $37.1900 per share Per-share value used for the July 22, 2026 phantom stock award
Phantom stock holdings after grant 26,691.0000 units Total phantom stock equivalents held by Richard B. Rowley after the award
Common stock-related holdings 537,134.0000 shares Total direct common stock and related restricted stock units after the reported transactions
Phantom Stock financial
"Each share of phantom stock is the economic equivalent of one share of common stock"
A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.
restricted stock units financial
"Includes restricted stock units which vest 100% and are settled in shares of Issuer common stock"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
economic equivalent financial
"Each share of phantom stock is the economic equivalent of one share of common stock"

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

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FAQ

What insider transaction did Orange County Bancorp (OBT) report for Richard B. Rowley?

Orange County Bancorp reported that director Richard B. Rowley received a grant of 54.0000 shares of phantom stock on July 22, 2026 at $37.1900 per share, increasing his phantom stock holdings to 26,691.0000 equivalents.

How many Orange County Bancorp (OBT) shares does Richard B. Rowley hold after this filing?

Following the reported transactions, Richard B. Rowley holds 537,134.0000 common-stock-related shares and 26,691.0000 phantom stock equivalents, with the common-stock figure including restricted stock units that will be settled in shares upon his separation from service.

What is the nature of the phantom stock granted to the Orange County Bancorp (OBT) director?

Each share of phantom stock granted to Richard B. Rowley is the economic equivalent of one share of Orange County Bancorp common stock and becomes payable upon his separation of service as a director, aligning value with the company’s share performance.

At what price was the phantom stock granted to the Orange County Bancorp (OBT) director?

The phantom stock granted to Richard B. Rowley on July 22, 2026 carries a reference value of $37.1900 per share. This price is used to determine the economic value of the 54.0000 phantom stock units awarded in the transaction.

How are Richard B. Rowley’s restricted stock units in Orange County Bancorp (OBT) structured?

Rowley’s holdings include restricted stock units that either vest 100% as of the grant date or on February 19, 2027, and all such units are settled in shares of Orange County Bancorp common stock upon his separation from service.
SEC Form 4
FORM 4UNITED 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*
Rowley Richard B

(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)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/22/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock537,134(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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock(3)07/22/2026A$54 (3) (3)Common Stock54$37.1926,691D
Explanation of Responses:
1. Includes restricted stock units which vest 100% as of the date of grant and are settled in shares of Issuer common stock upon separation from service of the reporting person.
2. Includes 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.
3. 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.
/s/ Jennifer Staub, pursuant to power of attorney07/23/2026
** Signature of Reporting PersonDate
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)