secwatch.observer — SEC 8-K summary
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Issuer:     Orange County Bancorp, Inc. /DE/ (OBT)
CIK:        0001754226
Form:       8-K
Filed at:   2025-10-30T23:59:59+00:00
Accession:  0000943374-25-000448
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 9.0
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1754226/000094337425000448/0000943374-25-000448-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1754226/000094337425000448/form8k_102925.htm
  HTML page:      https://secwatch.observer/filing/0000943374-25-000448

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer