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Orange County Bancorp OBT Net Interest Income

Net Interest Income at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.51B+9.9%
M&T Bank logo
M&T BankMTB
$1.79B+4.6%
Valley National Bank logo
Valley National BankVLY
$487.02M+12.6%
CTB
Community Trust BancorpCTBI
$60.89M+12.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$21.15M+26.6%
Citizens & Northern logo
Citizens & NorthernCZNC
$29.62M+40.1%

Segments

By segment

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Banking$28.42M+13.1%

Other financials

Income statement

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Revenue$27.8M-14.3%
Net income$13.7M+30.6%
EPS (diluted)$1.02+17.2%

Balance sheet

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Cash & equivalents$334.9M+90.7%
Total debt$4.3M+17.6%
Total equity$306.6M+21.4%
Total assets$2.8B+7.4%

Cash flow

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Operating cash flow$12.6M+354%
CapEx$250.0K-65.9%
Free cash flow$12.3M+317%

Valuation

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Market cap$513.39M+62.4%
P/E10.8×+0.1×
P/S4.1×+1.3×

Profitability

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Net margin37.4%+11.7pp
FCF margin51.1%+33.3pp

Returns & leverage

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Return on equity16.9%+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:InterestIncomeExpenseNet.

The source filing: Orange County Bancorp’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 4:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093345
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
FHLB advances1343752321,306
Subordinated notes430231860461
TOTAL INTEREST EXPENSE6,1288,08412,64616,363
NET INTEREST INCOME28,42225,14056,32348,768
Provision (credit) for credit losses - loans(1,014)2,113(1,450)2,315
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR CREDIT LOSSES29,43623,02757,77346,453
NONINTEREST INCOME (LOSS)
Service charges on deposit accounts329334684624

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's net interest income?
Orange County Bancorp (OBT) reported net interest income of $28.42M in Q2 2026.
How has Orange County Bancorp's net interest income changed year-over-year?
Orange County Bancorp's net interest income increased by 13.1% year-over-year, from $25.14M to $28.42M.
What is the long-term trend for Orange County Bancorp's net interest income?
Over 4 years (2021 to 2025), Orange County Bancorp's net interest income has grown at a 14.5% compound annual growth rate (CAGR), from $60.46M to $104.06M.
What does net interest income mean?
This is the difference between the interest income generated from interest-earning assets and the interest expense paid on interest-bearing liabilities. It represents the core profitability of the bank's lending and investment activities. As the primary driver of banking revenue, it is essential for evaluating the bank's net interest margin and overall earnings power.

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