Orange County Bancorp Q2 net income $13.7M (+30.6% YoY); EPS $1.02; NIM expands 38bps to 4.44%

Orange County Bancorp, Inc. /DE/

Net income $13.7M ($1.02 EPS) vs $10.5M ($0.87 EPS) in Q2 2025; adjusted net income ~$12.6M.
Net interest margin 4.44%, up 38bps YoY; total deposits grew $120.8M to $2.4B.
Provision for credit losses net recovery of $1.0M vs expense of $2.1M in prior year.
Book value per share $22.87, up $1.60 from Dec 31, 2025; tangible book value $22.44.
Wealth Management AUM $1.7B, down 11.4% from Dec 31, 2025; non-accrual loans increased to $18.8M.

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