Orange Cnty Bancorp Inc SEC Filings

Orange County Bancorp, Inc. reported insider stock sales by an executive officer. On December 11, 2025, the SVP and Director of Wealth Services sold 192 shares of common stock at $29 per share and 808 shares at $28.76 per share in open-market transactions coded as sales.

After these trades, the officer directly beneficially owns 8,214 shares of Orange County Bancorp common stock and indirectly owns 2,398 shares through a 401(k) plan. The direct holdings include restricted stock units that vest one-third per year beginning on May 28, 2023, March 11, 2024, and March 20, 2026, according to the footnotes.

Orange County Bancorp, Inc. director reported an insider transaction dated December 10, 2025. The filing shows direct beneficial ownership of 537,263 shares of common stock, which includes restricted stock units that vest 100% on the grant date and additional units that vest 100% on February 20, 2026, all settled in shares of common stock upon the director’s separation from service.

The director also received an award of 52 phantom stock units, each economically equivalent to one share of common stock. The price of the derivative security is listed as $28.87, and following this award the director directly holds 22,675 phantom stock units, which become payable upon separation from service as a director.

Orange County Bancorp, Inc. (OBT) filed an initial statement of beneficial ownership for an executive vice president serving as Chief of Credit Risk Management. As of the event date of 11/20/2025, the reporting person reported owning 0 shares of common stock directly and listed no derivative securities. This filing is a routine disclosure of insider holdings required for company officers.

Orange County Bancorp, Inc. reported that its board approved a cash dividend increase and declaration for common shareholders. The company raised its quarterly dividend by $0.05 and declared a $0.18 cash dividend per share of its common stock. The dividend will be paid on December 16, 2025 to shareholders who are on record as of December 4, 2025. The announcement reinforces that the bank is returning cash to shareholders through regular dividend payments.

Orange County Bancorp (OBT) reported an insider transaction on a Form 4. An officer (SVP, Chief Credit Officer) recorded a transaction on 11/10/2025 with code F, disposing of 721 shares of common stock at $26.48 per share. Following the transaction, the officer beneficially owns 8,268 shares, held directly.

The reported holdings include restricted stock units that vest at a rate of one-third per year commencing on November 8, 2023, March 11, 2024, March 21, 2025, and March 20, 2026.

Orange County Bancorp, Inc. (OBT) furnished an investor slide presentation as Exhibit 99.1 under Item 7.01 (Regulation FD Disclosure). The materials will be reviewed with certain analysts and institutional investors at the Piper Sandler Financial Services Conference on November 11, 2025.

The company states the presentation is furnished, not filed, and will not be incorporated by reference into Securities Act or Exchange Act filings except by specific reference. No financial statements or pro forma financial information are included.

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.