---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-23-000318"
form_type: "8-K"
ticker: "OBT"
cik: "0001754226"
company_name: "Orange County Bancorp, Inc. /DE/"
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:24:36.711205+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Orange County Bancorp Q2 net income jumps 331% to $9.1M; EPS $1.61 vs $0.38

## Summary
- Net income $9.1M for Q2 2023 vs $2.1M in Q2 2022; diluted EPS $1.61 vs $0.38.
- Total loans grew 9.2% to $1.7B; total deposits rose 8.3% to $2.1B, from year-end 2022.
- Non-performing loans improved to 0.32% of total loans, down from 0.54% at Dec 31, 2022.
- Net interest margin expanded to 3.81% from 3.14% a year ago; efficiency ratio improved to 55.8%.
- Tangible book value per share increased 7.7% to $25.08; trust and advisory income up 10% to $2.6M.

## SEC filing metadata
- accession: 0000943374-23-000318
- form_type: 8-K
- ticker: OBT
- cik: 0001754226
- company_name: Orange County Bancorp, Inc. /DE/
- filed_at: 2023-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1754226/000094337423000318/0000943374-23-000318-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1754226/000094337423000318/form8k_072623.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-23-000318
- JSON: https://secwatch.observer/filing/0000943374-23-000318.json
- Plain text: https://secwatch.observer/filing/0000943374-23-000318.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.