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AI brief of an SEC Form 8-K · Orange County Bancorp, Inc. /DE/ (OBT)

Orange County Bancorp Q3 net income rises 24.6% to $12.5 million, a record

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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

The filing

CompanyOrange County Bancorp, Inc. /DE/ (OBT)
Form8-K, current report
Filed with the SECOct 28, 2026, 4:37 PM ET
Accession number0000943374-26-000458

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:43 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 28, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.