Orange County Bancorp, Inc. (OBT)

Orange County Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	115.8	106.03	96.26	69.33	57.52
Interest Income on Investments	19.19	21.2	21.51	14.9	6.91
Total Interest Income	134.98	127.23	117.77	84.22	64.43
Interest Paid on Deposits	27.23	27.87	19.52	4.46	2.88
Interest Paid on Borrowings	3.69	7.59	9.86	1.68	1.09
Total Interest Expense	30.93	35.46	29.38	6.14	3.97
Net Interest Income	104.06	91.77	88.39	78.09	60.46
Net Interest Income Growth (YoY)	13.39%	3.82%	13.19%	29.15%	24.05%
Trust Income	6.55	5.51	5.1	4.76	4.79
Gain (Loss) on Sale of Assets	1.24	-	-	-	-
Gain (Loss) on Sale of Investments	-0.57	-	0.11	-	-
Other Non-Interest Income	14.56	9.45	7.41	6.54	6.68
Total Non-Interest Income	23.15	15.97	13.42	12	12.1
Non-Interest Income Growth (YoY)	44.93%	19.02%	11.86%	-0.88%	5.94%
Revenues Before Loan Losses	127.2	107.74	101.81	90.08	72.56
Provision for Loan Losses	7.75	7.71	7.87	9.52	2.43
Revenue	119.46	100.03	93.94	80.57	70.14
Revenue Growth (YoY)	19.42%	6.48%	16.60%	14.87%	28.10%
Salaries and Employee Benefits	38.02	34.66	31.32	27.37	22.42
Occupancy Expenses	-	1.66	1.68	1.41	1.38
Federal Deposit Insurance	1.32	1.31	1.4	1.41	1.2
Amortization of Goodwill & Intangibles	0.29	0.29	0.29	0.29	0.29
Selling, General & Administrative	23.31	20.26	17.69	16.25	15.39
Other Non-Interest Expense	4.97	7.04	4.42	3.57	2.78
Total Non-Interest Expense	67.9	65.21	56.79	50.29	43.46
EBT Excluding Unusual Items	51.56	34.82	37.15	30.28	26.68
Pretax Income	51.56	34.82	37.15	30.28	26.68
Income Tax Expense	9.94	6.94	7.67	5.91	5.39
Net Income	41.61	27.88	29.48	24.36	21.29
Net Income to Common	41.61	27.88	29.48	24.36	21.29
Net Income Growth	49.24%	-5.41%	21.00%	14.45%	82.27%
Basic Shares Outstanding	13	11	11	11	10
Diluted Shares Outstanding	13	11	11	11	10
Shares Change (YoY)	10.67%	0.40%	0.13%	13.14%	10.21%
EPS (Basic)	3.33	2.47	2.62	2.17	2.14
EPS (Diluted)	3.33	2.47	2.62	2.17	2.14
EPS Growth	34.86%	-5.79%	20.83%	1.16%	65.39%
Dividend Per Share	0.570	0.470	0.460	0.415	0.400
Dividend Growth	21.28%	2.17%	10.84%	3.75%	-
Effective Tax Rate	19.28%	19.92%	20.65%	19.53%	20.21%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q