---
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"
generated_at: "2026-05-31T14:27:25.338492+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Orange County Bancorp Q2 EPS $1.46, down from $1.61; net income $8.2M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-24-000349
- JSON: https://secwatch.observer/filing/0000943374-24-000349.json
- Plain text: https://secwatch.observer/filing/0000943374-24-000349.txt

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