Orange County Bancorp (OBT) executive gets stock award, shares withheld for taxes

Rhea-AI Filing Summary

Orange County Bancorp executive reports stock award and tax withholding. Regional President Joseph A. Ruhl received a grant of 5,133 shares of Common Stock on March 19, 2026 at no cost as a compensation award. On the same date, 1,377 shares were disposed of at $31.15 per share to satisfy tax obligations, a non-market transaction. After these entries, he directly holds 34,782 shares of Common Stock, including restricted stock units that vest in equal thirds beginning on March 21, 2025, March 20, 2026, and March 19, 2027.

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^*

Ruhl Joseph A

(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)
	Reg Pres, Westchester County

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		5,133(3)	A	$0	36,159(1)(2)	D
Common Stock	03/19/2026		F		1,377	D	$31.15	34,782(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 insider transactions did Orange County Bancorp (OBT) report for Joseph A. Ruhl?

Orange County Bancorp reported that executive Joseph A. Ruhl received a grant of 5,133 Common Stock shares and had 1,377 shares withheld to cover tax liabilities on March 19, 2026. These entries adjusted his direct holdings to 34,782 shares after the transactions.

Was the Orange County Bancorp (OBT) insider transaction a market sale or purchase?

The filing shows no open-market purchase or sale. Joseph A. Ruhl received 5,133 shares as a stock award and 1,377 shares were disposed of solely for tax-withholding purposes at $31.15 per share, which is a non-market, administrative transaction rather than a discretionary trade.

How many Orange County Bancorp (OBT) shares does Joseph A. Ruhl hold after this Form 4?

After the reported March 19, 2026 transactions, Joseph A. Ruhl directly holds 34,782 shares of Orange County Bancorp Common Stock. This total includes restricted stock units subject to multi-year vesting schedules beginning in 2025, 2026, and 2027 as described in the footnotes.

What was the size and price of the tax-withholding disposition in Orange County Bancorp (OBT) stock?

The Form 4 shows a tax-withholding disposition of 1,377 Common Stock shares at $31.15 per share. This transaction, coded “F,” reflects shares delivered to satisfy tax obligations on the equity award, not an open-market sale initiated by the executive.

How do Orange County Bancorp (OBT) restricted stock units for Joseph A. Ruhl vest?

The filing notes restricted stock units for Joseph A. Ruhl that vest in equal one-third installments. Vesting begins on March 21, 2025 and March 20, 2026 for existing grants, and on March 19, 2027 for the newest award, creating a staggered, multi-year vesting schedule.

What role does Joseph A. Ruhl hold at Orange County Bancorp (OBT) in this Form 4?

In this Form 4, Joseph A. Ruhl is identified as an officer of Orange County Bancorp with the title “Reg Pres, Westchester County.” The reported stock award and tax-withholding disposition relate to his compensation as a regional president within the organization.