Orange County Bancorp Inc
orangebanktrust.comWhat Do They Do?
Provides commercial and consumer banking, trust, and wealth-management services to businesses, municipalities, and individuals.
10-K for FY2025, filed Mar 16, 2026Orange County Bancorp, Inc. (the “Company”) is a bank holding company incorporated under Delaware law in 2007 and headquartered in…View ↗
Business Banking. We are committed to serving as a community-oriented financial institution focused on small to medium-sized businesses…View ↗
Trust & Wealth Management. Through the trust department of the Bank, we offer traditional trust and administration services to local…View ↗
We offer asset management, financial planning and wealth management services through our wholly owned subsidiary, OIA, an SEC registered…View ↗
How Do They Make Money?
Borrowers pay interest on loans, while deposit customers pay transaction, account-maintenance and overdraft fees; trust and investment-advisory services also generate fees. Transaction fees are charged when the transaction occurs.
10-K for FY2025, filed Mar 16, 2026Net Interest Income. Net interest income is the most significant contributor to our net income and is the difference between the interest…View ↗
Noninterest Income. Noninterest income is also a contributor to our net income. Noninterest income consists primarily of our investment…View ↗
Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and…View ↗
$135M
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10-K for FY2025, filed Mar 16, 2026
$135M ↗
Who Are Their Customers?
Businesses and professionals, municipalities, and individuals use the bank’s branches, loan office, and phone and internet banking; business lending also comes through existing-client relationships and referrals.
10-K for FY2025, filed Mar 16, 2026Orange County Bancorp, Inc. (the “Company”) is a bank holding company incorporated under Delaware law in 2007 and headquartered in…View ↗
Leverage our Relationships and Service Capabilities to Drive Organic Growth. From our beginning in 1892, our founders understood the Bank’s…View ↗
Derive Further Loan Growth Through Differentiated Service. We have consistently demonstrated our ability to generate robust loan growth and…View ↗
The Banking segment includes: commercial real estate, commercial real estate construction, commercial and industrial, multifamily…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 31 cents of every revenue dollar as net income in FY2025 and turned 31 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 2.1x in 4 years, from $64.4M in FY2021 to $135M in FY2025, about 20% a year.
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