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Orange County Bancorp OBT Banking — Noninterest Expense

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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×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NoninterestExpense.

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
Telephone expenses274203538410
Intangible amortization7272143143
Other1181,0941,1152,302
TOTAL NONINTEREST EXPENSE17,26916,75435,19333,248
Income before income taxes11,56013,58926,15024,877
Provision (credit) for income taxes(2,099)3,1281,2075,712
NET INCOME$13,659$10,461$24,943$19,165
Basic and diluted earnings per share$1.02$0.87$1.87$1.64

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's banking — noninterest expense?
Orange County Bancorp (OBT) reported banking — noninterest expense of $14.97M in Q2 2026.
How has Orange County Bancorp's banking — noninterest expense changed year-over-year?
Orange County Bancorp's banking — noninterest expense increased by 3.9% year-over-year, from $14.41M to $14.97M.
What is the long-term trend for Orange County Bancorp's banking — noninterest expense?
Over 4 years (2021 to 2025), Orange County Bancorp's banking — noninterest expense has grown at a 12.5% compound annual growth rate (CAGR), from $36.67M to $58.81M.
What does banking — noninterest expense mean?
The total operating costs incurred by the banking segment, excluding interest expense, including personnel, technology, occupancy, and administrative overhead. This is a primary measure of the bank's operational efficiency and cost management discipline.

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