---
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"
generated_at: "2026-05-27T02:47:31.450761+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Q4 net income falls 11.8% YoY to $7.2M; full-year EPS $2.47 vs $2.62

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000053
- JSON: https://secwatch.observer/filing/0000943374-25-000053.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000053.txt

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