---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-25-000342"
form_type: "8-K"
ticker: "OBT"
cik: "0001754226"
company_name: "Orange County Bancorp, Inc. /DE/"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T23:09:09.572060+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Orange County Bancorp Q2 2025 net income $10.5M, up 27.4%; EPS $0.87

## Summary
- Net income $10.5M (+27.4% YoY); diluted EPS $0.87 vs $0.73 YoY.
- Net interest income $25.1M (+4.2%); NIM 4.06%. Trust & investment advisory income up 14.8% to $3.4M.
- Loans $1.9B (+5.6% YTD); deposits $2.3B (+5.7% YTD). Completed $46M follow-on offering (net $43M).
- Non-interest income $7.3M (+92.2%) included $1.2M branch sale gain, $2.4M BOLI; NPLs rose to $11.7M from $6.3M.

## SEC filing metadata
- accession: 0000943374-25-000342
- form_type: 8-K
- ticker: OBT
- cik: 0001754226
- company_name: Orange County Bancorp, Inc. /DE/
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 9.0
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1754226/000094337425000342/0000943374-25-000342-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1754226/000094337425000342/form8k_073025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000342
- JSON: https://secwatch.observer/filing/0000943374-25-000342.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000342.txt

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