Orange County Bancorp, Inc. /DE/ — Form 8-K
Filed October 28, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Orange County Bancorp (market cap $314.3M) reported Q3 2026 net income of $12.5 million ($0.93 per share), up 24.6% from $10.0 million ($0.75 per share) in Q3 2025. Net interest margin expanded 19 basis points to 4.45%. Total deposits grew $56.0 million (2.4%) to $2.4 billion; total loans increased to $2.0 billion. Year-to-date nine months 2026 net income reached $37.4 million ($2.80 per share) vs. $29.2 million ($2.39 per share) in 2025—a 28.3% increase.
Why this rating
Strong earnings growth and NIM expansion are operationally solid, but represent ~4% of market cap annualized. Deposit/loan growth modest relative to base size; not transformational for a $2.7B-asset bank.
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