Orange County Bancorp, Inc. (OBT) filed a Current Report on Form 8-K with the Securities and Exchange Commission on September 23, 2026. The filing includes an investor presentation detailing the company’s financial performance and strategies for the second quarter of 2026.
The presentation, furnished as Exhibit 99.1, provides a snapshot of the company’s operations as of June 30, 2026. Orange County Bancorp operates through its subsidiary, Orange Bank & Trust Company, and Orange Investment Advisors, Inc. The company reported total assets of $2.8 billion, total deposits of $2.4 billion, and total net loans of $1.9 billion as of the end of the second quarter.
The filing highlights the company’s focus on a relationship-based business model. Management notes that the majority of loan growth comes from existing clients and referrals. The company’s credit administration is described as disciplined, with a loan reserve at 1.38% of gross loans.
Regarding its market footprint, the company operates through 17 branches and loan production offices. These locations are situated in Orange County, Westchester County, Rockland County, and the Bronx. The company emphasizes its core deposit franchise, noting that transaction accounts make up 53% of its deposit base and that the total cost of deposits is 96 basis points.
The presentation also outlines strategic goals, including leveraging relationships to drive organic growth, continuing to build fee-based businesses, and pursuing strategic expansion or opportunistic mergers and acquisitions.
