{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-24-000443","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.475231+00:00","generated_at":"2026-05-30T08:24:27.193003+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Orange County Bancorp Q3 net income falls to $0.57/share, impacted by $5.6M loan loss reserve","bullets":["Net income $3.2M ($0.57 per share) vs $9.0M ($1.61) YoY; provision for credit losses surged to $7.2M from $0.8M.","Provision included $5.6M reserve against a $10.7M commercial real estate participation loan; company filed suit against lead lender Valley National Bank.","Net interest income rose 2.1% to $23.0M; net interest margin narrowed to 3.81% from prior quarter's 4.10%.","Non-performing loans increased to $11.2M (0.62% of total loans) primarily due to a single non-accrual loan of $10.7M.","Wealth management AUM grew 13.4% to $1.8B; trust and advisory income up 20.1% to $3.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-24-000443","json":"https://secwatch.observer/filing/0000943374-24-000443.json","markdown":"https://secwatch.observer/filing/0000943374-24-000443.md","text":"https://secwatch.observer/filing/0000943374-24-000443.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000443/0000943374-24-000443-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337424000443/form8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:24:27.193003+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"}