secwatch.observer — SEC 8-K summary
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Issuer:     Orange County Bancorp, Inc. /DE/ (OBT)
CIK:        0001754226
Form:       8-K
Filed at:   2026-07-28T20:45:05+00:00
Accession:  0000943374-26-000324
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000324/0000943374-26-000324-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1754226/000094337426000324/obt-20260728.htm
  HTML page:      https://secwatch.observer/filing/0000943374-26-000324

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