{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-25-000181","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.591836+00:00","generated_at":"2026-05-23T02:32:56.268367+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Orange County Bancorp Q1 net income $8.7M, EPS $0.77; NIM expands to 3.95%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-25-000181","json":"https://secwatch.observer/filing/0000943374-25-000181.json","markdown":"https://secwatch.observer/filing/0000943374-25-000181.md","text":"https://secwatch.observer/filing/0000943374-25-000181.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000181/0000943374-25-000181-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000181/form8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:32:56.268367+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"}