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Orange County Bancorp OBT Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

M&T Bank logo
M&T BankMTB
$45.89B-6.4%
Valley National Bank logo
Valley National BankVLY
$12.25B+5.4%
CTB
Community Trust BancorpCTBI
$1.26B+2.2%
Greene County Bancorp logo
Greene County BancorpGCBC
$109.09M-6.1%
Capital Bancorp logo
Capital BancorpCBNK
$871.68M+7.3%
JPMorgan Chase logo
JPMorgan ChaseJPM

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:NoninterestBearingDepositLiabilities.

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 noninterest-bearing deposits?
Orange County Bancorp (OBT) reported noninterest-bearing deposits of $727.34M in Q1 2026.
How has Orange County Bancorp's noninterest-bearing deposits changed year-over-year?
Orange County Bancorp's noninterest-bearing deposits increased by 11.2% year-over-year, from $654.06M to $727.34M.
What is the long-term trend for Orange County Bancorp's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Orange County Bancorp's noninterest-bearing deposits has grown at a 6.8% compound annual growth rate (CAGR), from $521.09M to $725.66M.
What does noninterest-bearing deposits mean?
Noninterest-bearing deposits consist of demand deposit accounts that do not pay interest to the depositor, typically used for transactional purposes by businesses and individuals. These deposits are a highly valued, low-cost source of funding for the bank, directly impacting the net interest margin. A higher proportion of these deposits generally enhances the bank's profitability in rising interest rate environments.