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, 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.
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.