Orange County Bancorp, Inc. /DE/ — Form 8-K
Filed July 28, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
Orange County Bancorp reported Q2 2026 net income of $13.7M (+30.6% YoY), with EPS of $1.02 (+17.2%). Net interest margin expanded 38 bps to 4.44%; deposits grew $120.8M (+5.2%) to $2.4B. However, $4.8M valuation loss on loans held-for-sale and $81.1M in loan prepayments offset organic loan growth. Total assets increased to $2.8B; book value per share grew to $22.87 (+7.5% YTD). A $5.3M deferred tax valuation allowance reversal boosted earnings; adjusted net income excluding one-time items was $12.6M.
Why this rating
Strong profitability growth and NIM expansion are favorable, but offset by loan portfolio headwinds and one-time tax benefit. Deposit strength and capital ratios solid; size of bank (~$314M market cap) means $13.7M quarterly earnings is meaningful but not transformational.
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