OBT
Orange County Bancorp, Inc.28.95
-0.29-0.99%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
386.97MP/E (TTM)
9.59Basic EPS (TTM)
3.02Dividend Yield
0.02%Recent Filings
8-K
8-K
Record Q3 earnings surge
Orange County Bancorp reported record Q3 2025 net income of $10.0 million, up 211.5% from $3.2 million in Q3 2024, fueled by net interest income climbing 17.3% to $27.0 million and noninterest income surging 62.6% to $6.8 million. Loans expanded 6.6% to $1.9 billion while deposits grew 5.8% to $2.3 billion, boosting net interest margin to 4.26% from 3.81%. Momentum persists. Yet nonaccrual loans doubled to $12.2 million, signaling credit risks amid economic uncertainties.
8-K
Exec trading blackout announced
Orange County Bancorp announced a trading blackout period for its executives and directors, starting November 10, 2025, at 4:00 p.m. ET, due to switching the 401(k) Plan administrator from Empower Retirement to Principal. The restriction, mandated by Sarbanes-Oxley, halts equity transactions tied to their roles and is set to end by the week of November 30, 2025, though extensions are possible. Blackouts like this curb insider activity during key transitions. Contact CFO Michael Lesler for details.
8-K
Bancorp issues $25M notes
Orange County Bancorp issued $25 million in 6.50% fixed-to-floating rate subordinated notes due 2035 on September 25, 2025, via private placement to qualified buyers. The notes qualify as Tier 2 capital, with proceeds earmarked for general corporate uses including redeeming its 4.25% notes due 2030. Fixed rate holds until 2030, then floats off SOFR plus 320.5 bps; non-callable before year five. This bolsters capital while extending debt maturity, yet exposes to rising rates post-2030.
8-K
Director Scacco resigns abruptly
Orange County Bancorp's Director Gustave 'Gus' J. Scacco resigned from the board on September 2, 2025, also stepping down as CEO and Chief Investment Officer of subsidiary Hudson Valley Investment Advisors. The filing provides no reason for the departures. This shift leaves a gap in leadership oversight for the investment arm.
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