---
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"
generated_at: "2026-05-23T02:32:56.268367+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000181
- JSON: https://secwatch.observer/filing/0000943374-25-000181.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000181.txt

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