{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-26-000054","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.079668+00:00","generated_at":"2026-05-16T04:58:36.658286+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Orange County Bancorp reports record FY2025 net income $41.6M, up 49%; EPS $3.33","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-26-000054","json":"https://secwatch.observer/filing/0000943374-26-000054.json","markdown":"https://secwatch.observer/filing/0000943374-26-000054.md","text":"https://secwatch.observer/filing/0000943374-26-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000054/0000943374-26-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000054/form8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:58:36.658286+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"}