---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-093383"
form_type: "8-K"
ticker: "OBT"
cik: "0001754226"
company_name: "Orange County Bancorp, Inc. /DE/"
filed_at: "2025-09-25T23:59:59+00:00"
generated_at: "2026-05-17T05:40:44.559104+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Orange County Bancorp issues $25M 6.50% subordinated notes due 2035

## Summary
- Issued $25M aggregate principal of 6.50% Fixed-to-Floating Rate Subordinated Notes due 2035.
- Fixed rate 6.50% for first 5 years, then floats at 3-month SOFR + 320.5 bps.
- Net proceeds for general corporate purposes; may refinance existing 4.25% notes due 2030.
- Notes qualify as Tier 2 capital at holding company level; unsecured and subordinated.
- Interest paid semi-annually during fixed period, quarterly during floating period.

## SEC filing metadata
- accession: 0001104659-25-093383
- form_type: 8-K
- ticker: OBT
- cik: 0001754226
- company_name: Orange County Bancorp, Inc. /DE/
- filed_at: 2025-09-25T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1754226/000110465925093383/0001104659-25-093383-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1754226/000110465925093383/tm2526902d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-093383
- JSON: https://secwatch.observer/filing/0001104659-25-093383.json
- Plain text: https://secwatch.observer/filing/0001104659-25-093383.txt

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