Orange County Bancorp, Inc.
Orange County Bancorp, Inc. (Nasdaq: OCBI) operates as a bank holding company providing comprehensive financial services through its subsidiaries Orange Bank & Trust Company and Orange Investment Advisors, Inc. The company serves small to medium-sized businesses, professionals, entrepreneurs, high-net-worth… From the company’s description.
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: OCBI) operates as a bank holding company providing comprehensive financial services through its subsidiaries Orange Bank & Trust Company and Orange Investment Advisors, Inc. The company serves small to medium-sized businesses, professionals, entrepreneurs, high-net-worth individuals, and municipalities across the Lower Hudson Valley, New York metropolitan area, and nearby markets in Connecticut and New Jersey.
The company maintains three primary business segments. Business Banking focuses on serving small to medium-sized enterprises with annual revenues under $50 million, offering checking accounts, savings products, money market accounts, certificates of deposit, and treasury management services. Private Banking provides concierge-level services integrating deposits, loans, asset management, and trust services for clients with larger, more complex banking needs. Trust and Wealth Management delivers traditional trust administration, special needs trust services, and asset management through both the bank's trust department and its SEC-registered investment advisor subsidiary, which manages investments for institutional clients, high-net-worth individuals, endowments, pension plans, and nonprofit organizations.
As of December 31, 2025, Orange County Bancorp reported consolidated assets of $2.7 billion, loans of $2.0 billion, deposits of $2.3 billion, and stockholders' equity of $284.4 million. The trust department and investment advisor subsidiary combined managed $1.9 billion in assets under management. The company operates 16 full-service branch offices and one loan production office throughout Orange, Westchester, Rockland, and Bronx Counties in New York, employing approximately 235 people.
The loan portfolio is predominantly composed of commercial real estate loans representing 75.9 percent of total loans, followed by commercial and industrial loans at 12.8 percent. The company emphasizes relationship-based banking and personalized service as core competitive advantages, leveraging its 130-year operating history in Orange County while strategically expanding into higher-growth markets. Founded in 1892 as Orange County Trust and Safe Deposit Company, the company rebranded as Orange Bank & Trust Company in 2016 to reflect its expanded geographic ambitions and completed its initial public offering in August 2021.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- MIDDLETOWN, NY
- Fiscal year end
- December
- CIK
- 1754226
- SIC
- 6022
Financial performance, year by year
Fiscal 2021–2025 · USDThe 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.
Who owns Orange County Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Orange County Bancorp, Inc.’s weight in each
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.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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?”