Orange County Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	119.8	115.8	106.03	96.26	69.33	57.52
Interest Income on Investments	19.03	19.19	21.2	21.51	14.9	6.91
Total Interest Income	138.82	134.98	127.23	117.77	84.22	64.43
Interest Paid on Deposits	24.19	27.23	27.87	19.52	4.46	2.88
Interest Paid on Borrowings	3.02	3.69	7.59	9.86	1.68	1.09
Total Interest Expense	27.21	30.93	35.46	29.38	6.14	3.97
Net Interest Income	111.61	104.06	91.77	88.39	78.09	60.46
Net Interest Income Growth	17.72%	13.39%	3.82%	13.19%	29.15%	24.05%
Trust Income	6.7	6.55	5.51	5.1	4.76	4.79
Gain (Loss) on Sale of Assets	-	1.24	-	-	-	-
Gain (Loss) on Sale of Investments	0.16	-0.57	-	0.11	-	-
Other Non-Interest Income	11.52	14.56	9.45	7.41	6.54	6.68
Total Non-Interest Income	15.05	23.15	15.97	13.42	12	12.1
Non-Interest Income Growth	-25.33%	44.93%	19.02%	11.86%	-0.88%	5.94%
Revenues Before Loan Losses	126.66	127.2	107.74	101.81	90.08	72.56
Provision for Loan Losses	3.98	7.75	7.71	7.87	9.52	2.43
Revenue	122.67	119.46	100.03	93.94	80.57	70.14
Revenue Growth	16.27%	19.42%	6.48%	16.60%	14.87%	28.10%
Salaries and Employee Benefits	38.3	36.87	34.66	31.32	27.37	22.42
Occupancy Expenses	1.54	1.54	1.66	1.68	1.41	1.38
Federal Deposit Insurance	1.15	1.32	1.31	1.4	1.41	1.2
Amortization of Goodwill & Intangibles	0.29	0.29	0.29	0.29	0.29	0.29
Selling, General & Administrative	24.79	22.91	20.26	17.69	16.25	15.39
Other Non-Interest Expense	3.78	4.97	7.04	4.42	3.57	2.78
Total Non-Interest Expense	69.85	67.9	65.21	56.79	50.29	43.46
EBT Excluding Unusual Items	52.83	51.56	34.82	37.15	30.28	26.68
Pretax Income	52.83	51.56	34.82	37.15	30.28	26.68
Income Tax Expense	5.44	9.94	6.94	7.67	5.91	5.39
Net Income	47.39	41.61	27.88	29.48	24.36	21.29
Net Income to Common	47.39	41.61	27.88	29.48	24.36	21.29
Net Income Growth	60.41%	49.24%	-5.41%	21.00%	14.45%	82.27%
Basic Shares Outstanding	13	13	11	11	11	10
Diluted Shares Outstanding	13	13	11	11	11	10
Shares Change	16.20%	10.67%	0.40%	0.13%	13.14%	10.21%
EPS (Basic)	3.55	3.33	2.47	2.62	2.17	2.14
EPS (Diluted)	3.55	3.33	2.47	2.62	2.17	2.14
EPS Growth	38.05%	34.86%	-5.79%	20.83%	1.16%	65.39%
Dividend Per Share	0.670	0.570	0.470	0.460	0.415	0.400
Dividend Growth	34.00%	21.28%	2.17%	10.84%	3.75%	0%
Effective Tax Rate	10.29%	19.28%	19.92%	20.65%	19.53%	20.21%

SEC Filings: 10-K · 10-Q