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Orange County Bancorp OBT Banking — Occupancy Net

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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 / equity0×0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:OccupancyNet.

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
NONINTEREST EXPENSE
Salaries7,5126,81314,92113,718
Employee benefits3,0052,3386,1074,788
Occupancy expense1,2511,2992,5872,576
Professional fees1,8611,6663,3263,013
Directors’ fees and expenses5353191,157625
Computer software expense1,9592,1173,8384,099
FDIC assessment160330490660

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's banking — occupancy net?
Orange County Bancorp (OBT) reported banking — occupancy net of $1.1M in Q2 2026.
How has Orange County Bancorp's banking — occupancy net changed year-over-year?
Orange County Bancorp's banking — occupancy net decreased by 3.8% year-over-year, from $1.14M to $1.1M.
What is the long-term trend for Orange County Bancorp's banking — occupancy net?
Over 2 years (2023 to 2025), Orange County Bancorp's banking — occupancy net has grown at a 3.6% compound annual growth rate (CAGR), from $4.21M to $4.51M.
What does banking — occupancy net mean?
This reflects the net costs associated with maintaining physical branch locations and office facilities, including rent, utilities, and maintenance. It measures the overhead efficiency of the bank's physical footprint.

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