---
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"
generated_at: "2026-07-28T20:48:13.706268+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1754226/000094337426000324/0000943374-26-000324-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1754226/000094337426000324/obt-20260728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-26-000324
- JSON: https://secwatch.observer/filing/0000943374-26-000324.json
- Plain text: https://secwatch.observer/filing/0000943374-26-000324.txt

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