secwatch.observer — SEC 8-K summary
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Issuer:     Orange County Bancorp, Inc. /DE/ (OBT)
CIK:        0001754226
Form:       8-K
Filed at:   2026-02-04T23:59:59+00:00
Accession:  0000943374-26-000054
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000054/0000943374-26-000054-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000054/form8k.htm
  HTML page:      https://secwatch.observer/filing/0000943374-26-000054

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