Orange County Bancorp Q3 net income jumps 211% to $10M; NIM expands to 4.26%

Orange County Bancorp, Inc. /DE/

2025-Q3 EPS reported $2.39

Net income of $10.0M ($0.75 EPS) vs $3.2M ($0.28) in Q3 2024, a 211.5% increase.
Net interest margin 4.26%, up 45 bps YoY; net interest income $27.0M (+17.3%).
Total loans grew 6.6% to $1.9B; deposits up 5.8% to $2.3B from year-end 2024.
Book value per share increased 23.6% to $20.21; tangible book value $19.76.
Nonperforming loans rose to $12.2M (0.63% of loans) from $6.3M at Dec 31, 2024.

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