Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	109.06	106.03	96.26	69.33	57.52	47.52
Interest Income on Investments	19.72	21.2	21.51	14.9	6.91	5.94
Total Interest Income	128.77	127.23	117.77	84.22	64.43	53.46
Interest Paid on Deposits	28.21	27.87	19.52	4.46	2.88	4.31
Interest Paid on Borrowings	5.75	7.59	9.86	1.68	1.09	0.42
Total Interest Expense	33.96	35.46	29.38	6.14	3.97	4.72
Net Interest Income	94.81	91.77	88.39	78.09	60.46	48.74
Net Interest Income Growth (YoY)	4.92%	3.82%	13.19%	29.15%	24.05%	12.61%
Trust Income	6.14	5.51	5.1	4.76	4.79	4.07
Gain (Loss) on Sale of Investments	-0.73	-	0.11	-	-	0.8
Other Non-Interest Income	12.33	9.45	7.41	6.54	6.68	5.86
Total Non-Interest Income	20.15	15.97	13.42	12	12.1	11.42
Non-Interest Income Growth (YoY)	39.40%	19.02%	11.86%	-0.88%	5.94%	16.39%
Revenues Before Loan Losses	114.97	107.74	101.81	90.08	72.56	60.16
Provision for Loan Losses	9.46	7.71	7.87	9.52	2.43	5.41
Revenue	105.51	100.03	93.94	80.57	70.14	54.75
Revenue Growth (YoY)	2.48%	6.48%	16.60%	14.87%	28.10%	7.56%
Salaries and Employee Benefits	35.42	34.66	31.32	27.37	22.42	21.38
Occupancy Expenses	1.66	1.66	1.68	1.41	1.38	1.27
Federal Deposit Insurance	1.2	1.31	1.4	1.41	1.2	0.91
Amortization of Goodwill & Intangibles	0.29	0.29	0.29	0.29	0.29	0.29
Selling, General & Administrative	22.4	20.26	17.69	16.25	15.39	13.68
Other Non-Interest Expense	6.7	7.04	4.42	3.57	2.78	2.7
Total Non-Interest Expense	67.66	65.21	56.79	50.29	43.46	40.23
EBT Excluding Unusual Items	37.85	34.82	37.15	30.28	26.68	14.52
Pretax Income	37.85	34.82	37.15	30.28	26.68	14.52
Income Tax Expense	8.3	6.94	7.67	5.91	5.39	2.84
Net Income	29.55	27.88	29.48	24.36	21.29	11.68
Net Income to Common	29.55	27.88	29.48	24.36	21.29	11.68
Net Income Growth	-14.77%	-5.41%	21.00%	14.45%	82.27%	1.73%
Basic Shares Outstanding	11	11	11	11	10	9
Diluted Shares Outstanding	11	11	11	11	10	9
Shares Change (YoY)	2.03%	0.40%	0.13%	13.14%	10.21%	0.54%
EPS (Basic)	2.57	2.47	2.62	2.17	2.14	1.30
EPS (Diluted)	2.57	2.47	2.62	2.17	2.14	1.30
EPS Growth	-16.46%	-5.79%	20.83%	1.16%	65.39%	1.18%
Dividend Per Share	0.500	0.470	0.460	0.415	0.400	0.400
Dividend Growth	8.70%	2.17%	10.84%	3.75%	-	-
Effective Tax Rate	21.94%	19.92%	20.65%	19.53%	20.21%	19.55%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q