---
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"
generated_at: "2026-05-16T04:58:36.658286+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-26-000054
- JSON: https://secwatch.observer/filing/0000943374-26-000054.json
- Plain text: https://secwatch.observer/filing/0000943374-26-000054.txt

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