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Orange County Bancorp OBT Allowance for credit losses

Allowance for credit losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.93B+2.9%
M&T Bank logo
M&T BankMTB
$2.14B-2.9%
Valley National Bank logo
Valley National BankVLY
$584.5M+1.1%
CTB
Community Trust BancorpCTBI
$61.32M+7.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$0
Capital Bancorp logo
Capital BancorpCBNK
$54.68M+12.8%

Other financials

Income statement

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Revenue$32.1M+14.6%
Net income$11.3M+29.6%
EPS (diluted)$0.85+10.4%

Balance sheet

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Cash & equivalents$257.5M+56.9%
Total debt$4.3M+17.6%
Total equity$291.7M+44.9%
Total assets$2.7B+5.7%

Cash flow

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Operating cash flow$10.2M+111%
CapEx$563.0K+14.0%
Free cash flow$9.7M+123%

Valuation

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Market cap$494.62M+55.2%
P/E11.2×-0.5×
P/S3.8×+0.9×

Profitability

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Net margin33.7%+8.9pp
FCF margin35.5%+3.6pp

Returns & leverage

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Return on equity17.9%+3.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Orange County Bancorp’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orange County Bancorp's allowance for credit losses?
Orange County Bancorp (OBT) reported allowance for credit losses of $27.84M in Q1 2026.
How has Orange County Bancorp's allowance for credit losses changed year-over-year?
Orange County Bancorp's allowance for credit losses increased by 5.6% year-over-year, from $26.37M to $27.84M.
What is the long-term trend for Orange County Bancorp's allowance for credit losses?
Over 5 years (2020 to 2025), Orange County Bancorp's allowance for credit losses has grown at a 84.3% compound annual growth rate (CAGR), from $1.33M to $28.34M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.