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Orange County Bancorp OBT Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

M&T Bank logo
M&T BankMTB
$1.61B+3.0%
Valley National Bank logo
Valley National BankVLY
$450.27M+26.0%
CTB
Community Trust BancorpCTBI
$56.47M+18.4%
Greene County Bancorp logo
Greene County BancorpGCBC
$19.74M+30.5%
Capital Bancorp logo
Capital BancorpCBNK
$46.18M+5.4%
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
Orange County Bancorp (OBT) reported net interest income (after provisions) of $28.34M in Q1 2026.
How has Orange County Bancorp's net interest income (after provisions) changed year-over-year?
Orange County Bancorp's net interest income (after provisions) increased by 21.0% year-over-year, from $23.43M to $28.34M.
What is the long-term trend for Orange County Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Orange County Bancorp's net interest income (after provisions) has grown at a 13.5% compound annual growth rate (CAGR), from $58.03M to $96.31M.
What does net interest income (after provisions) mean?
This is the net interest income remaining after accounting for the provision for credit losses. It provides a more accurate view of the bank's sustainable earnings by adjusting for the expected cost of credit risk. This metric is vital for assessing the quality of the bank's core revenue stream relative to its risk profile.