{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-25-000053","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2025-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.724881+00:00","generated_at":"2026-05-27T02:47:31.450761+00:00","sec_items":[],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Q4 net income falls 11.8% YoY to $7.2M; full-year EPS $2.47 vs $2.62","bullets":["Q4 net income $7.2M ($0.63 diluted EPS) vs $8.1M ($0.72) prior year; FY net income $27.9M ($2.47) vs $29.5M ($2.62).","Non-interest expense rose 25.4% to $18.5M in Q4, partly due to a fraudulent incident at a branch and non-performing loan charges.","Net interest income grew 3.8% for FY to $91.8M; net interest margin expanded 5bp to 3.83%.","Trust & investment advisory income up 16.7% in Q4 to $3.3M; wealth AUM grew 12.9% to $1.78B.","Non-performing loans increased to $6.3M (0.35% of total loans) from $4.4M, driven by one CRE participation loan."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-25-000053","json":"https://secwatch.observer/filing/0000943374-25-000053.json","markdown":"https://secwatch.observer/filing/0000943374-25-000053.md","text":"https://secwatch.observer/filing/0000943374-25-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000053/0000943374-25-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000053/form8k_020525.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:47:31.450761+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"}