{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-23-000427","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.317533+00:00","generated_at":"2026-06-09T11:13:40.012111+00:00","sec_items":[],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Orange County Bancorp Q3 net income up 15.1% to $9.0M; EPS $1.61","bullets":["Net income of $9.0M ($1.61 EPS) vs $7.9M ($1.40) a year ago; net interest margin improved to 3.78%.","Total assets reached $2.5B (+7.0% from year-end 2022); loans grew 8.8% to $1.7B; deposits rose 6.6% to $2.1B.","Trust & investment advisory income up 15% to $2.6M; provision for credit losses fell to $837K from $2.1M.","Book value per share $25.49 (+4.1% vs Dec 2022); tangible book value $24.34.","Bank maintained well-capitalized status; Tier 1 capital ratio 9.26%; non-performing loans 0.56% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-23-000427","json":"https://secwatch.observer/filing/0000943374-23-000427.json","markdown":"https://secwatch.observer/filing/0000943374-23-000427.md","text":"https://secwatch.observer/filing/0000943374-23-000427.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337423000427/0000943374-23-000427-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337423000427/form8k_102523.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T11:13:40.012111+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}