{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-26-000324","form_type":"8-K","ticker":"OBT","cik":"0001754226","company_name":"Orange County Bancorp, Inc. /DE/","filed_at":"2026-07-28T20:45:05+00:00","discovered_at":"2026-07-28T20:48:00.270066+00:00","generated_at":"2026-07-28T20:48:13.706268+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 Q2 net income $13.7M (+30.6% YoY); EPS $1.02; NIM expands 38bps to 4.44%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-26-000324","json":"https://secwatch.observer/filing/0000943374-26-000324.json","markdown":"https://secwatch.observer/filing/0000943374-26-000324.md","text":"https://secwatch.observer/filing/0000943374-26-000324.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000324/0000943374-26-000324-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1754226/000094337426000324/obt-20260728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-28T20:48:13.706268+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"}