What does federal home loan bank borrowings mean?

This represents the outstanding balance of advances and borrowings from the Federal Home Loan Bank system. These borrowings are typically secured by mortgage-related assets and serve as a primary source of wholesale funding for liquidity management. The level of FHLB usage reflects the bank's reliance on external wholesale funding versus core deposit growth.

Orange County Bancorp OBT Federal Home Loan Bank Borrowings

Federal Home Loan Bank Borrowings at other companies

CTB

Community Trust BancorpCTBI

$288K-6.8%

Center BancorpCNOB

$827.48M+35.0%

OFG BancorpOFG

$456.58M+78.6%

International BancsharesIBOC

$10.28M-66.3%

Washington Trust BancorpWASH

$576M-32.2%

Customers BancorpCUBI

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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 / equity0×0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AdvancesFromFederalHomeLoanBanks.

The official record: Orange County Bancorp’s 10-K, filed March 16, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orange County Bancorp's federal home loan bank borrowings?: Orange County Bancorp (OBT) reported federal home loan bank borrowings of $113.5M in Q4 2024.
What does federal home loan bank borrowings mean?: This represents the outstanding balance of advances and borrowings from the Federal Home Loan Bank system. These borrowings are typically secured by mortgage-related assets and serve as a primary source of wholesale funding for liquidity management. The level of FHLB usage reflects the bank's reliance on external wholesale funding versus core deposit growth.