Orange County Bancorp EVP reports tax share withholding

Orange County Bancorp EVP and CLO Michael J. Coulter reported a routine tax-related share disposition.

Rhea-AI Filing Summary

Orange County Bancorp EVP and CLO Michael J. Coulter reported a routine tax-related share disposition. On March 10, 2026, 499 shares of Common Stock were withheld at $31.47 per share to cover tax obligations tied to equity compensation. After this withholding, he directly holds 4,485 shares and indirectly holds 33 shares through a 401(k) plan. Footnotes note additional restricted stock units that vest in thirds beginning on March 11, 2024 and March 21, 2025, as well as other transactions that are not required to be reported under Section 16.

Insider Trade Summary

Exercise Price or Tax Liability: 499 shares

Exercise Price or Tax Liability 2 txns

Insider Coulter Michael J

Role EVP and CLO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	499	$31.47	$16K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 4,485 shares (Direct); Common Stock — 33 shares (Indirect, By 401(k))

Footnotes (3)

1. F1. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 11, 2024.
2. F2. Includes restricted stock units which vest at a rate of 1/3 per year commencing on March 21, 2025.
3. F3. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

FAQ

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

What insider transaction did OBT executive Michael J. Coulter report?

Michael J. Coulter reported a tax-withholding disposition of 499 shares of Orange County Bancorp Common Stock. The shares were withheld at $31.47 each to satisfy tax obligations arising from equity compensation, rather than being sold in an open-market transaction.

How many Orange County Bancorp (OBT) shares does Michael J. Coulter hold after this filing?

After the reported tax withholding, Michael J. Coulter directly holds 4,485 shares of Orange County Bancorp Common Stock. He also has an indirect holding of 33 shares through a 401(k) plan, according to the Form 4’s ownership details.

Is the OBT Form 4 transaction by Michael J. Coulter an open-market sale?

The Form 4 describes the transaction as a tax-withholding disposition, not an open-market sale. Shares were delivered to cover a tax liability associated with equity compensation, a routine mechanism that does not represent a discretionary sale into the market.

What price per share was used for Michael J. Coulter’s tax-withholding shares in OBT?

The 499 shares withheld for taxes were valued at $31.47 per share. This price is used to determine the value of stock delivered to satisfy Coulter’s tax obligations tied to his compensation-related equity awards.

What do the footnotes in Michael J. Coulter’s OBT Form 4 say about restricted stock units?

Footnotes state that his holdings include restricted stock units vesting in thirds starting March 11, 2024, and March 21, 2025. These RSUs represent additional future share deliveries as they vest under the company’s equity compensation arrangements.

What other information does Michael J. Coulter’s OBT Form 4 disclose about unreported transactions?

One footnote explains that some transactions are reflected but are not required to be reported under Section 16 of the Securities Exchange Act. This clarifies that certain internal movements or adjustments do not constitute separate reportable insider trades.

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

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Accepted by SEC EDGAR 03/12/2026 - 04:43 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^*

Coulter Michael J

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
03/10/2026

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	03/10/2026		F		499	D	$31.47	4,485(1)(2)	D
Common Stock								33(3)	I	By 401(k)

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 11, 2024.

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

3. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

	/s/ Jennifer Staub, pursuant to power of attorney	03/12/2026
	** 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.