Orange County Bancorp, Inc. (NASDAQ: OBT) is a bank holding company incorporated in Delaware in 2007 and headquartered in Middletown, New York, that operates through Orange Bank & Trust Company, a New York state-chartered trust company, and Orange Investment Advisors, Inc., a registered investment advisor. The company earns revenue primarily through net interest income on loans and deposits, supplemented by fee income from trust and wealth management services. Orange Bank & Trust traces its operating history in the Lower Hudson Valley to 1892 and serves the region through 16 branch offices and one loan production office across Orange, Rockland, Westchester, and Bronx Counties, as well as nearby markets in Connecticut and New Jersey, with approximately 235 employees as of the 10-K filed March 16, 2026. The Bank targets small and medium-sized businesses with annual revenues below $50 million, attorneys and professionals, high-net-worth individuals, local municipal governments, and retail customers. At December 31, 2025, the company had $424.3 million in loan commitments outstanding and $18.6 million in standby letters of credit.

Revenue model

Net interest income is the primary revenue driver, generated by the spread between interest earned on loans and investment securities and interest paid on deposits and borrowings. Fee-based revenue comes from trust and wealth management services offered through Orange Investment Advisors, Inc. Deposit accounts, including checking, savings, money market, and municipal banking accounts, provide the core low-cost funding base.

Products and services

Commercial and consumer banking products, full-line deposit accounts (checking, savings, money market, municipal banking), commercial and consumer loans, standby letters of credit, trust services, and wealth management and investment advisory services through Orange Investment Advisors, Inc.

Customers and end markets

Small and medium-sized businesses with annual revenues below $50 million, attorneys and other professionals, high-net-worth individuals, business owners, local municipal governments, and retail consumers in the Lower Hudson Valley and New York metropolitan area.

Value-chain role

Community bank and trust company that originates and holds loans, gathers core deposits, and provides trust and investment advisory services directly to end customers. The Bank functions as a relationship-based intermediary between depositors and borrowers in its local markets.

Geographic exposure

Primary markets are Orange, Rockland, Westchester, and Bronx Counties in New York, with additional coverage in Connecticut and New Jersey. Orange County is located approximately 60 miles from New York City and had an estimated population of 411,767 and median household income of $97,178 as of July 1, 2024.

Source: SEC 10-K, filed 2026-03-16

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