---
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"
generated_at: "2026-05-15T02:53:46.819952+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1754226/000094337426000176/0000943374-26-000176-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1754226/000094337426000176/form8k_042826.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-26-000176
- JSON: https://secwatch.observer/filing/0000943374-26-000176.json
- Plain text: https://secwatch.observer/filing/0000943374-26-000176.txt

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