{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-26-000176","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.855881+00:00","generated_at":"2026-05-15T02:53:46.819952+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 Q1 net income rises 29.6% to record $11.3M; NIM expands 45 bps","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-26-000176","json":"https://secwatch.observer/filing/0000943374-26-000176.json","markdown":"https://secwatch.observer/filing/0000943374-26-000176.md","text":"https://secwatch.observer/filing/0000943374-26-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000176/0000943374-26-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000176/form8k_042826.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:53:46.819952+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"}