---
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"
generated_at: "2026-06-09T11:13:40.012111+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Orange County Bancorp Q3 net income up 15.1% to $9.0M; EPS $1.61

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-23-000427
- JSON: https://secwatch.observer/filing/0000943374-23-000427.json
- Plain text: https://secwatch.observer/filing/0000943374-23-000427.txt

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