---
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"
generated_at: "2026-05-17T01:23:24.848306+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 9.0
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000448
- JSON: https://secwatch.observer/filing/0000943374-25-000448.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000448.txt

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