Orange County Bancorp reports record FY2025 net income $41.6M, up 49%; EPS $3.33

Orange County Bancorp, Inc. /DE/

2025-FY EPS reported $3.33

FY2025 net income $41.6M ($3.33 EPS) vs $27.9M ($2.47 EPS) in FY2024; Q4 net income $12.4M ($0.93 EPS), up 73% YoY.
Net interest margin expanded 35bps to 4.18% for FY2025; Q4 NIM of 4.44% up 66bps from Q4 2024.
Loans grew 7.4% to $2.0B; deposits up 7.3% to $2.3B; book value per share rose 30.1% to $21.27.
Wealth management income rose 15.2% to $14.1M; assets under management $1.9B.
Non-performing loans increased to $11.1M (0.57% of loans) from $6.3M; Q4 provision for credit losses $1.6M vs net recovery $51k in Q4 2024.

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