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Orange County Bancorp OBT Banking — Noninterest Income

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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$517.68M+62.4%
P/E10.9×+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:NoninterestIncome.

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
Gain on sale of assets1,2361,236
Valuation loss on loans held-for-sale(4,761)(4,761)
Other412444773811
TOTAL NONINTEREST INCOME (LOSS)(607)7,3163,57011,672
NONINTEREST EXPENSE
Salaries7,5126,81314,92113,718
Employee benefits3,0052,3386,1074,788
Occupancy expense1,2511,2992,5872,576

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's banking — noninterest income?
Orange County Bancorp (OBT) reported banking — noninterest income of -$3.83M in Q2 2026.
How has Orange County Bancorp's banking — noninterest income changed year-over-year?
Orange County Bancorp's banking — noninterest income decreased by 197.6% year-over-year, from $3.92M to -$3.83M.
What is the long-term trend for Orange County Bancorp's banking — noninterest income?
Over 4 years (2021 to 2025), Orange County Bancorp's banking — noninterest income has grown at a 38.4% compound annual growth rate (CAGR), from $2.46M to $9.04M.
What does banking — noninterest income mean?
This captures revenue streams for the banking segment that are not derived from interest-earning assets, such as service charges, fees, and commissions. It reflects the bank's ability to diversify its income beyond traditional lending activities.

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