Every material Form 8-K Orange County Bancorp, Inc. /DE/ has filed with the SEC since September 23, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Orange County Bancorp furnished an investor slide presentation as Exhibit 99.1 to a Form 8-K. The deck covers its operating and growth strategies and Q3 2026 financial results, and will be reviewed with analysts and institutional investors at the 2026 Hovde Financial Services Conference. The materials are informational and do not change the company's reported results.
Presentation to be reviewed at the 2026 Hovde Financial Services Conference on November 5 and 6, 2026
Nine-month 2026 net income of $37.4 million, or $2.80 basic and diluted EPS, per the income statement slide
Total assets of $2.7 billion and total deposits of $2.4 billion as of September 30, 2026
Orange County Bancorp reported net income of $12.5 million, or $0.93 per share, for the quarter ended September 30, 2026, up from $10.0 million, or $0.75 per share, a year earlier. The company described it as a record third quarter and its third consecutive record quarter in 2026, driven mainly by higher net interest income and a lower provision for credit losses, partly offset by lower noninterest income.
Q3 2026 net income $12.5 million, or $0.93 per share, versus $10.0 million, or $0.75 per share, in Q3 2025
Net interest margin rose 19 basis points to 4.45% from 4.26% a year earlier
Nine-month net income was $37.4 million, or $2.80 per share, versus $29.2 million, or $2.39 per share, in the prior-year period
Provision for credit losses was $809 thousand versus $3.9 million a year earlier; noninterest income fell $1.4 million to $5.4 million
Orange County Bancorp furnished a September 2026 investor presentation as Exhibit 99.1 to a Form 8-K, to be reviewed with analysts and institutional investors at the Stephens Bank Forum 2026 on September 24, 2026. The deck covers second-quarter 2026 results, showing net income of $24.9 million and basic and diluted EPS of $1.87 for the six months ended June 30, 2026, and the filing states the material is not a determination that it is material or complete.
Presentation furnished as Exhibit 99.1 and to be reviewed at the Stephens Bank Forum 2026 on September 24, 2026
Six months ended June 30, 2026: net income of $24.9 million and basic and diluted EPS of $1.87
As of June 30, 2026: total assets of $2.8 billion, total deposits of $2.4 billion and total net loans of $1.9 billion
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