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Companies / Financials / Orange County Bancorp, Inc.
OBT

Orange County Bancorp, Inc.

FinancialsBanks & Brokers
Ticker OBTMIDDLETOWN, NYFiscal year ends DecemberBook value per share $22.94Diluted shares 13.4M

Orange County Bancorp, Inc. (Nasdaq: OBT) is a bank holding company serving small and medium-sized businesses, professionals, municipalities, high-net-worth individuals and retail customers in New York’s Lower Hudson Valley, the New York metropolitan area, Connecticut and New Jersey. Through Orange Bank & Trust… From the company’s description.

Over the twelve months to Jun 30, 2026, Orange County Bancorp, Inc. reported revenue of $126.66M, up 10.2% from a year earlier, and net income of $47.39M. Its pre-tax margin was 41.7%. In fiscal 2025, it reported revenue of $127.20M, up 18.1% from fiscal 2024, and net income of $41.61M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$127.20MFY2025
+18.1% year over year
Last 12 mo $126.66M
40.53%FY2025
+8.2 percentage points
Last 12 mo 41.71%
$41.61MFY2025
+49.2% year over year
Last 12 mo $47.39M
14.63%FY2025
−0.4 percentage points
Last 12 mo 15.46%
Cash & financing
$43.85MFY2025
+26.7% year over year
Last 12 mo $66.78M
$41.33MFY2025
+25.7% year over year
Last 12 mo $64.67M
8.25FY2025
Was 12.38× a year earlier
Last 12 mo 8.04
12.5MFY2025
+10.7% year over year
Last 12 mo 13.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Orange County Bancorp, Inc. does

In the company’s own words

Orange County Bancorp, Inc. (Nasdaq: OBT) is a bank holding company serving small and medium-sized businesses, professionals, municipalities, high-net-worth individuals and retail customers in New York’s Lower Hudson Valley, the New York metropolitan area, Connecticut and New Jersey. Through Orange Bank & Trust Company and registered investment adviser Orange Investment Advisors, Inc. (OIA), it provides commercial and consumer banking, lending, deposit and treasury management services, as well as trust, fiduciary, investment advisory and wealth management services. Its business includes banking activities and wealth management; the trust department and OIA together generated $14.1 million, or about 8.9% of total revenue, in 2025. The company operates 16 branches and one loan production office, and had approximately 235 employees. At December 31, 2025, it reported $2.7 billion in assets and $1.9 billion in assets under management. Founded in 1892 as Orange County Trust and Safe Deposit Company, the bank adopted the Orange Bank & Trust Company name in 2016; OIA was acquired in 2012. Its website is www.orangecountytrust.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
MIDDLETOWN, NY
Fiscal year end
December
CIK
1754226
SIC
6022

Financial performance, year by year

Fiscal 2021–2025 · USD
$-12.72M$25.44M$63.60M$101.76M$139.92M20212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Orange County Bancorp, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

151
funds hold it
0 of 35
superinvestors hold it
$92.69M
held by funds, at market
19.4%
of shares held by funds

Largest fund holders · Orange County Bancorp, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
—of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
Regional Bank Fund
FRBAX · John Hancock Investment Trust II
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do Orange County Bancorp, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Orange County Bancorp, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Orange County Bancorp, Inc.'s last four quarterly filings that the numbers alone won't show?”
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