{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-24-000038","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2024-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.403377+00:00","generated_at":"2026-06-06T11:16:05.677639+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Orange County Bancorp reports record FY 2023 net income $29.5M, up 21% YoY; Q4 net income $8.1M, down 10.5%","bullets":["Net income for full year 2023 reached $29.5M ($5.24 per share), up $5.1M or 21.0% from $24.4M in 2022.","Net interest margin for 2023 was 3.78%, a 26-basis-point increase from 2022.","Total loans grew $177.6M (11.3%) to $1.8B; total deposits rose $64.4M (3.3%) to $2.0B at Dec 31, 2023.","Book value per share increased $4.78 (19.5%) to $29.26; tangible book value per share $28.12.","Q4 2023 net income was $8.1M ($1.44 per share) versus $9.1M ($1.61 per share) in Q4 2022, down 10.5%."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-24-000038","json":"https://secwatch.observer/filing/0000943374-24-000038.json","markdown":"https://secwatch.observer/filing/0000943374-24-000038.md","text":"https://secwatch.observer/filing/0000943374-24-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000038/0000943374-24-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000038/form8k_013124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T11:16:05.677639+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"}