{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-24-000349","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.414047+00:00","generated_at":"2026-05-31T14:27:25.338492+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Orange County Bancorp Q2 EPS $1.46, down from $1.61; net income $8.2M","bullets":["Q2 net income $8.2M, EPS $1.46, down 9.6% from $9.1M, $1.61 YoY.","Provision for credit losses surged to $2.2M from $214K due to one CRE participation loan impairment.","Net interest margin expanded 29 bps to 4.10%; net interest income up 6.7% to $24.1M.","Total deposits rose 7.9% to $2.2B from year-end; borrowings cut from $234.5M to $60M.","Non-accrual loans jumped to $15.8M from $4.4M at year-end, driven by one participation loan."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-24-000349","json":"https://secwatch.observer/filing/0000943374-24-000349.json","markdown":"https://secwatch.observer/filing/0000943374-24-000349.md","text":"https://secwatch.observer/filing/0000943374-24-000349.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000349/0000943374-24-000349-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000349/form8k_073124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:27:25.338492+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"}