Orange County Bancorp Q1 net income $8.7M, EPS $0.77; NIM expands to 3.95%

Orange County Bancorp, Inc. /DE/

2025-Q1 EPS reported $0.77

Net income $8.7M ($0.77 EPS) vs $9.3M ($0.82) YoY; decline due to $1.9M prior-year one-time recovery.
Net interest margin 3.95%, up 31 bps from 3.64% YoY; net interest income +9.4% to $23.6M.
Deposits grew $128.3M (6.0%) to $2.3B; loans up $38.5M (2.1%) to $1.9B.
Trust & investment advisory income +19.2% to $3.4M; book value per share $17.69, up 8.2% from Dec 2024.
Provision for credit losses $0.2M vs net credit of $1.6M in prior year; ACL ratio 1.42%.

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