Orange County Bancorp Q1 net income rises 29.6% to record $11.3M; NIM expands 45 bps

Orange County Bancorp, Inc. /DE/

2026-Q1 EPS reported $0.85

EPS of $0.85, up 10.4% YoY from $0.77; net income of $11.3M vs $8.7M in Q1 2025.
Net interest margin improved to 4.40% from 3.95% YoY; net interest income up 18.1% to $27.9M.
Total deposits grew $39.4M to $2.4B; average cost of deposits fell 26 bps to 1.03%.
Wealth Management AUM dropped 13% to $1.6B; trust & advisory income fell 5% to $3.3M.
Non-performing loans rose to $26.1M (1.34% of loans) from $11.1M due to a CRE participation loan.

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