secwatch.observer — SEC 8-K summary
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Issuer:     Orange County Bancorp, Inc. /DE/ (OBT)
CIK:        0001754226
Form:       8-K
Filed at:   2026-04-28T23:59:59+00:00
Accession:  0000943374-26-000176
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000176/0000943374-26-000176-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000176/form8k_042826.htm
  HTML page:      https://secwatch.observer/filing/0000943374-26-000176

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer