{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-25-000448","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.343195+00:00","generated_at":"2026-05-17T01:23:24.848306+00:00","sec_items":["9.0"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Orange County Bancorp Q3 net income jumps 211% to $10M; NIM expands to 4.26%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-25-000448","json":"https://secwatch.observer/filing/0000943374-25-000448.json","markdown":"https://secwatch.observer/filing/0000943374-25-000448.md","text":"https://secwatch.observer/filing/0000943374-25-000448.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000448/0000943374-25-000448-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337425000448/form8k_102925.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:23:24.848306+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"}