{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-24-000169","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2024-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.900086+00:00","generated_at":"2026-06-03T03:06:10.442973+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OBT record Q1 net income $9.3M ($1.65 EPS); deposits up 5.4%, FHLB borrowings slashed","bullets":["Net income $9.3M vs $3.2M in Q1 2023; EPS $1.65 vs $0.57; includes $1.9M Signature Bank debt recovery.","Total deposits grew $110.7M to $2.2B; FHLB borrowings cut from $224.5M to $28M quarter-over-quarter.","Net interest margin 3.64% vs 3.78% in Q1 2023; loans relatively unchanged at $1.7B.","Non-interest income up 16.3% to $3.7M; trust & investment advisory income rose 21.6% to $2.9M.","Book value per share $29.81; tangible book $28.68; ACL to loans 1.47%; Tier 1 leverage 9.72%."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-24-000169","json":"https://secwatch.observer/filing/0000943374-24-000169.json","markdown":"https://secwatch.observer/filing/0000943374-24-000169.md","text":"https://secwatch.observer/filing/0000943374-24-000169.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000169/0000943374-24-000169-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000169/form8k_050124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T03:06:10.442973+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"}