Earnings summaries and quarterly performance for Orange County Bancorp, Inc. /DE/.
Executive leadership at Orange County Bancorp, Inc. /DE/.
Michael Gilfeather
Detailed
President and Chief Executive Officer
CEO
David Dineen
Detailed
Executive Vice President and Senior Managing Director of Wealth Services
Elizabeth Jones
Detailed
Senior Vice President, Chief Operating Officer
Gregory Sousa
Detailed
Executive Vice President, Chief Lending Officer
Joseph Ruhl
Detailed
Executive Vice President, Regional President (Westchester) and Chief Deposit Officer
Michael Coulter
Detailed
Executive Vice President, Strategic Lending Relationship Officer
Michael Lesler
Detailed
Executive Vice President and Chief Financial Officer
Michael Listner
Detailed
Senior Vice President, Chief Risk Officer
Stephen Rooney
Detailed
Senior Vice President, Chief Credit Officer
Board of directors at Orange County Bancorp, Inc. /DE/.
Research analysts covering Orange County Bancorp, Inc. /DE/.
Recent press releases and 8-K filings for OBT.
Orange County Bancorp, Inc. Reports Strong Q3 2025 Financial Performance and Growth
OBT
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- For the nine months ended September 30, 2025, Orange County Bancorp, Inc. reported net income of $29.184 million and diluted earnings per share of $2.39.
- As of September 30, 2025, the company's total assets stood at $2.636 billion, with $2.279 billion in deposits and $1.906 billion in net loans. Assets Under Management (AUM) also reached $1.9 billion.
- The company achieved strong profitability for the nine months ended September 30, 2025, with a Return on Average Assets (ROAA) of 1.51%, Return on Average Equity (ROAE) of 17.48%, and a Net Interest Margin of 4.06%.
- Loan growth was 7.8% year over year and deposit growth was 6.5% year over year as of Q3 2025, supported by a low-cost deposit base with a total cost of 113 basis points for Q3 2025.
- Credit quality remains robust, with Non-Performing Loans at $12.2 million (0.63% of Total Loans) and a Loan Loss Reserve of $29.3 million (241% of NPLs) as of September 30, 2025. The Tangible Common Equity to Tangible Assets ratio was 10.04%.
Nov 10, 2025, 9:31 PM
Orange County Bancorp, Inc. Announces Record Third Quarter 2025 Results
OBT
Earnings
Revenue Acceleration/Inflection
- Orange County Bancorp, Inc. reported a significant increase in net income for Q3 2025, rising 211.5% to $10.0 million ($0.75 per basic and diluted share) compared to $3.2 million ($0.28 per basic and diluted share) in Q3 2024.
- Net Interest Income increased 17.3% to $27.0 million for Q3 2025, up from $23.0 million in Q3 2024, with the Net Interest Margin growing 45 basis points to 4.26%.
- Total loans grew 6.6% to $1.9 billion and total deposits rose 5.8% to $2.3 billion at September 30, 2025, compared to December 31, 2024.
- Book value per share increased 23.6% to $20.21 at September 30, 2025, from $16.35 at December 31, 2024, while tangible book value per share rose 25.1% to $19.76.
- The company's efficiency ratio improved to 49.9% for Q3 2025 from 58.8% for the same period in 2024.
Oct 29, 2025, 10:21 PM
Orange County Bancorp, Inc. Announces Record Third Quarter 2025 Results
OBT
Earnings
Revenue Acceleration/Inflection
- Orange County Bancorp, Inc. reported net income of $10.0 million for the third quarter ended September 30, 2025, marking a 211.5% increase from $3.2 million in the prior year period, with basic and diluted earnings per share of $0.75 compared to $0.28.
- Net interest income increased by $4.0 million, or 17.3%, to $27.0 million for the quarter ended September 30, 2025, from $23.0 million in the same period last year, and the net interest margin grew 45 basis points to 4.26%.
- Total Loans grew $119.9 million, or 6.6%, reaching $1.9 billion at September 30, 2025, compared to $1.8 billion at December 31, 2024.
- Total Deposits rose $125.5 million, or 5.8%, to $2.3 billion at September 30, 2025, from $2.2 billion at December 31, 2024.
- Book value per share increased $3.86, or 23.6%, to $20.21 at September 30, 2025, from $16.35 at December 31, 2024.
Oct 29, 2025, 8:15 PM
Orange County Bancorp, Inc. Issues $25 Million in Subordinated Notes
OBT
Debt Issuance
- Orange County Bancorp, Inc. (OBT) issued $25.0 million in 6.50% Fixed-to-Floating Rate Subordinated Notes due 2035 on September 25, 2025.
- The Notes are intended to qualify as Tier 2 capital and the proceeds will be used for general corporate purposes, including the potential redemption of existing 4.25% subordinated notes due 2030.
- The debt bears a fixed annual interest rate of 6.50% until September 30, 2030, after which it will adjust to a floating rate of Three-Month Term SOFR plus 320.5 basis points. The Notes received a BBB- rating from Kroll Bond Rating Agency (KBRA).
Sep 25, 2025, 8:31 PM
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