Welcome to our dedicated page for Orange Cnty Bancorp SEC filings (Ticker: OBT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Orange County Bancorp, Inc. filings document the public reporting record for a Nasdaq-listed bank holding company whose common stock is registered under Section 12(b). Current reports furnish earnings releases for the banking and wealth management businesses, cash dividend announcements, investor presentations, and other material events affecting the company and its subsidiaries.
Proxy and governance filings cover director elections, independent auditor ratification, executive compensation arrangements, and annual meeting matters. The filings also identify the company's capital structure, including common stock par value, and present formal disclosures around operating performance, growth strategy, emerging growth company status, and shareholder voting.
Orange County Bancorp, Inc. reported Q3 2025 results. Net income was $10,019 thousand and basic and diluted EPS were $0.75. Net interest income rose to $26,947 thousand as interest expense declined year over year, while the provision for credit losses on loans was $3,876 thousand. Noninterest income reached $6,787 thousand, supported by trust and investment advisory fees.
Total assets were $2,636,450 thousand and total deposits were $2,278,870 thousand. Loans grew to $1,935,676 thousand and the allowance for credit losses increased to $29,287 thousand. Accumulated other comprehensive loss improved to $(52,151) thousand, reflecting higher unrealized gains net of tax in the quarter.
The company strengthened funding and capital: short‑term FHLB advances decreased to $22,500 thousand, subordinated notes were $24,483 thousand (net), and stockholders’ equity increased to $270,120 thousand, aided by a June 2025 capital raise of $43,560 thousand. Cash and cash equivalents ended at $189,880 thousand. As of November 5, 2025, 13,366,740 common shares were outstanding.
Orange County Bancorp (OBT) director filed a Form 4 reporting an acquisition of 60 phantom stock units on October 22, 2025 at $24.73 per unit. Following the reported transaction, the director beneficially owned 537,263 shares of common stock directly and held 22,623 derivative units.
The filing explains that certain restricted stock units vest 100% as of the grant date and others vest 100% on February 20, 2026, with settlement in shares of common stock upon the reporting person’s separation from service. Each phantom stock unit is the economic equivalent of one share and becomes payable upon separation as a director.
Orange County Bancorp, Inc. (OBT) reported insider open‑market purchases by its President and CEO, who is also a director. On 10/31/2025, the insider bought 1,300 shares of common stock at $24.02 per share in a direct account and 350 shares at $24.02 per share through an IRA.
Following these transactions, the insider beneficially owned 106,788 common shares directly and 16,200 common shares indirectly via an IRA. The filing also lists 21,919 phantom stock units, each economically equivalent to one common share and payable upon separation of service as a director. Direct holdings include restricted stock units that vest over time, as described in the notes.
Orange County Bancorp, Inc. reported that it has released its financial results for the three and nine months ended September 30, 2025. The company furnished these quarterly and year-to-date results through a press release dated October 29, 2025, which is attached as an exhibit to this current report. The press release provides the detailed financial performance information investors would use to evaluate the company’s recent operating trends.
Orange County Bancorp, Inc. filed a Current Report on Form 8-K reporting that, on October 10, 2025, it delivered a notice to its directors and executive officers describing limitations on trading the company’s common stock. The notice concerns restrictions that apply to insiders and is provided as an exhibit to the filing. The company’s common stock trades under the ticker OBT and has a par value of $0.25. The filing is signed by the company’s Chief Financial Officer.
Olga Luz Tirado, a director of Orange County Bancorp, Inc. (OBT), reported transactions dated 10/01/2025. The filing shows a disposition of 2,097 shares of common stock and the acquisition of 50 phantom stock units that are the economic equivalent of common shares and become payable upon her separation as a director. The filing also notes restricted stock units that vest 100% on February 20, 2026 and will be settled in shares upon separation from service. Following the reported transactions the form lists 197 shares of common stock beneficially owned (direct). The form was signed under power of attorney on 10/02/2025.
Orange County Bancorp, Inc. (OBT) director Gregory F. Holcombe reported a set of equity transactions dated 10/01/2025. The filing shows a disposition of 68,953 shares of common stock. It also reports indirect holdings through entities: 14,920 shares held by a foundation, 69,440 shares held by an LLC, and 12,054 shares held in trust. The report lists phantom stock totaling 872 units (each unit economically equivalent to one common share) and restricted stock units (RSUs) that include one grant vesting fully on grant and another vesting on February 20, 2026. The phantom units and RSUs are payable or settled in common shares upon the reporting person’s separation from service.
Kevin J. Keane, a director of Orange County Bancorp, Inc. (OBT), reported changes in his beneficial ownership on Form 4. On 10/01/2025 Mr. Keane disposed of 19,395 shares of common stock (transaction code V). The filing shows he continues to have indirect holdings of 7,400 shares through a partnership and 832 shares through a 401(k). The report also shows the acquisition on 10/01/2025 of 769 units of phantom stock (each economically equivalent to one common share), which become payable upon his separation from service, and 15,565 shares beneficially owned following the derivative transaction. The filing discloses restricted stock units: some vesting 100% as of the grant date and others vesting 100% on February 20, 2026, and were to be settled in common shares upon separation. The Form 4 was signed under power of attorney on 10/02/2025.
Orange County Bancorp insider filing (Form 4) — Jonathan F. Rouis, a company director, reported transactions dated 10/01/2025. The filing shows a disposition of 9,295 shares of common stock and continued indirect ownership of 400 shares through his spouse. The filing also records a grant/acquisition of 179 units of phantom stock priced at $25.10 per share equivalent, which are payable upon the reporting person’s separation as a director. Following the reported derivative activity, the reporting person beneficially owns 5,837 shares attributable to derivative securities. The form is signed via power of attorney on 10/02/2025.
Richard B. Rowley, a director of Orange County Bancorp, Inc. (OBT), reported transactions dated 10/01/2025. The filing shows a disposition of 537,263 shares of common stock. The report also shows acquisition entries for 872 phantom stock units (each unit equals one share and becomes payable upon separation of service) and lists 22,563 common shares as beneficially owned following reported derivative holdings. The filing explains that certain restricted stock units (RSUs) vest 100% as of the grant date and others vest 100% on February 20, 2026, and RSUs are settled in issuer common stock upon separation from service.