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Orange County Bancorp OBT Wealth Management — Noninterest Expense

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Banking
$14.97M+3.9%

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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 wealth management — noninterest expense?
Orange County Bancorp (OBT) reported wealth management — noninterest expense of $2.3M in Q2 2026.
How has Orange County Bancorp's wealth management — noninterest expense changed year-over-year?
Orange County Bancorp's wealth management — noninterest expense decreased by 1.9% year-over-year, from $2.34M to $2.3M.
What is the long-term trend for Orange County Bancorp's wealth management — noninterest expense?
Over 4 years (2021 to 2025), Orange County Bancorp's wealth management — noninterest expense has grown at a 7.8% compound annual growth rate (CAGR), from $6.72M to $9.09M.
What does wealth management — noninterest expense mean?
This represents the total operating costs incurred by the wealth management division, excluding interest-related expenses. It encompasses personnel costs, technology, occupancy, and administrative overhead required to deliver investment and advisory services. Tracking this is essential for evaluating the cost structure and operational leverage of the wealth management business.

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