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.
The Orange County Bancorp, Inc. (Nasdaq: OBT) SEC filings page on Stock Titan provides centralized access to the company’s public disclosures as filed with the U.S. Securities and Exchange Commission. As a Nasdaq-listed bank holding company and emerging growth company, Orange County Bancorp, Inc. submits periodic reports and current reports that describe its financial condition, operating results, capital structure, and material corporate events.
Among the most important documents for analysis are the company’s annual reports on Form 10-K and quarterly reports on Form 10-Q, which present audited or reviewed financial statements, segment information for banking and wealth management, details on loan and deposit composition, and discussions of risk factors and capital resources. Current reports on Form 8-K provide more immediate updates, including earnings releases, dividend declarations on common stock, public offerings of common stock under a shelf registration statement on Form S-3, the issuance of fixed-to-floating rate subordinated notes, changes in executive roles, and temporary trading restrictions under employee benefit plans.
For users interested in capital structure and funding, filings related to subordinated note offerings and shelf registrations outline the terms of debt and equity issuances and the company’s stated intentions for using proceeds, such as general corporate purposes, support for bank growth, and regulatory capital. Dividend-related 8-Ks document board actions on cash dividends, while earnings 8-Ks furnish press releases that summarize net income, net interest income, non-interest income, and other performance measures.
Stock Titan enhances these filings with AI-powered summaries that highlight key points from lengthy documents, helping readers quickly identify items such as changes in capital, notable credit developments, or updates affecting shareholders. Real-time integration with the SEC’s EDGAR system allows new Orange County Bancorp, Inc. filings to appear promptly, and users can review Form 4 and other ownership-related filings to track equity transactions by insiders and directors. This page is a resource for investors, analysts, and other stakeholders seeking structured access to OBT’s regulatory reporting history.
Orange County Bancorp director Gregory F. Holcombe received a phantom stock grant tied to 138 shares of common stock. The award is coded as a grant acquisition and is priced at $31.29 per phantom share, with each phantom share economically equivalent to one common share.
After this grant, Holcombe holds 24,146 phantom stock units directly. His common stock position includes 68,824 shares held directly, plus indirect holdings of 14,920 shares by a foundation and 12,054, 34,720 and 34,720 shares held through three separate trusts. The phantom stock and related restricted stock units become payable or are settled in common shares upon his separation from service as a director.
Orange County Bancorp director Kevin J. Keane received a grant of phantom stock representing 100 shares of common stock on March 16, 2026. The award is classified as a grant or other acquisition at an indicated value of $31.29 per phantom share and is economically equivalent to common stock, becoming payable upon his separation from service as a director.
Following this grant, Keane holds 17,480 phantom stock units. The filing also shows direct ownership of 19,266 common shares, plus indirect holdings of 7,400 shares through a partnership and 832 shares through a 401(k) plan.
Kennedy Marianna R reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp, Inc. director Marianna R. Kennedy reported an equity-related award and updated holdings. She received a grant of phantom stock tied to 57 shares of common stock, increasing her phantom stock balance to 9,914 units, each economically equivalent to one common share and payable upon her separation from service as a director.
Kennedy also reported direct ownership of 1,466 shares of common stock. Footnotes explain that her reported holdings include restricted stock units that vest either immediately on the grant date or on February 19, 2027, and are settled in common shares when her service ends.
Orange County Bancorp, Inc. director William D. Morrison reported a compensation-related grant of phantom stock. On the reported date, he acquired phantom stock units economically equivalent to 12 shares of common stock at a reference price of $31.29 per share, payable upon his separation from board service.
Following this grant, Morrison holds 2,166 phantom stock units102,510 shares of common stock, plus indirect holdings of 10,932 shares through an IRA and 324 shares through a Roth IRA. The filing reflects ongoing equity-based compensation rather than any open-market buying or selling.
Rouis Jonathan F reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp, Inc. director Jonathan F. Rouis received a phantom stock award equivalent to 40 shares of common stock on March 16, 2026. The award is priced at $31.29 per share and is economically equal to common stock, becoming payable when he separates from service as a director.
Following this grant, Rouis holds 7,083 phantom stock units. His reported common stock position totals 9,166 shares held directly and 400 shares held indirectly through his spouse. Related restricted stock units vest either immediately or in 2027 and are settled in common shares upon his separation from service.
Rowley Richard B reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Richard B. Rowley received a phantom stock award tied to company common shares. On the reported date, he was granted phantom stock economically equivalent to 142 shares of common stock at a reference price of $31.29 per share, increasing his phantom stock holdings to 24,869 units. Phantom stock and related restricted stock units vest as described in the footnotes and are settled in shares of common stock upon his separation from service as a director. Following this award, he also directly held 537,134 shares of common stock, including restricted stock units that vest on specified future dates.
Schiller Jon reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Jon Schiller received a grant of phantom stock that represents 28 shares of common stock on March 16, 2026. Each phantom stock unit is economically equivalent to one common share and becomes payable when he separates from service as a director.
After this grant, Schiller holds 4,811 phantom stock units and 12,473 shares of common stock directly. Footnotes state that related restricted stock units vest 100% on February 19, 2027 and will be settled in common shares upon his separation from service.
Sousa Gregory reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp EVP and Deputy CLO Gregory Sousa received a grant of phantom stock tied to common shares. On March 16, 2026, he was awarded phantom stock at $31.29 per unit, representing 28 underlying shares of common stock. Following this award, his phantom stock balance is 4,943 units under a Performance-Based SERP that may be settled in company stock based on his prior election.
Separately, Sousa directly holds 9,870 shares of common stock and indirectly holds 6,794 shares of common stock through a 401(k) plan. His direct holdings include restricted stock units that vest in equal annual thirds beginning on March 11, 2024, March 21, 2025, and March 20, 2026.
Orange County Bancorp director Gregory F. Holcombe reported compensation-related equity awards and a routine share disposition to the issuer. On February 20, 2026, he received a grant of phantom stock economically equal to 1,011 shares of common stock, increasing his phantom stock holdings to 24,008 units payable upon separation from service.
On the same date he returned 995 shares of common stock to Orange County Bancorp in a disposition to the issuer, leaving 68,824 common shares held directly. A day earlier, on February 19, 2026, he was granted 866 restricted stock units that vest 100% on February 19, 2027 and will be settled in common shares upon his separation from service. Additional indirect common stock holdings are reported through a foundation and several trusts.
Orange County Bancorp, Inc. reports full-year 2025 operating details, highlighting its community- and business-focused banking model in the Lower Hudson Valley and New York metro area. As of December 31, 2025, the company had $2.7 billion in assets, $2.0 billion in loans, $2.3 billion in deposits and $284.4 million in stockholders’ equity.
The bank emphasizes commercial real estate and business lending, with commercial real estate loans of $1.48 billion (75.9% of total loans) and commercial and industrial loans of $249.6 million. Deposits are predominantly core, with 93.1% in non-maturity accounts and an overall cost of funds on core deposits of 1.00% in 2025.
Through its trust department and Orange Investment Advisors, the company manages $1.9 billion in client assets and generated $14.1 million of wealth management revenue in 2025. Management outlines a growth strategy centered on organic expansion in Orange, Westchester, Rockland and Bronx Counties, continued loan and core deposit growth, and leveraging private banking and wealth management cross-selling opportunities.