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Orange County Bancorp OBT Accretion Of Loans

Accretion Of Loans at other companies

Independent Bank Corp logo
Independent Bank CorpINDB
$9.19M+2,140%
HOM
Home BancSharesHOMB
$1.06M-23.0%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
-$48K+5.9%
Bank of Marin Bancorp logo
Bank of Marin BancorpBMRC
-$5K+88.9%
Primis Financial Corp. logo
Primis Financial Corp.FRST
$38K+143%
First Community Bankshares logo
First Community BanksharesFCBC
$490K-11.9%

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 obt:AccretionOfLoans.

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 accretion of loans?
Orange County Bancorp (OBT) reported accretion of loans of $488K in Q1 2026.
How has Orange County Bancorp's accretion of loans changed year-over-year?
Orange County Bancorp's accretion of loans decreased by 16.2% year-over-year, from $582K to $488K.
What is the long-term trend for Orange County Bancorp's accretion of loans?
Over 4 years (2021 to 2025), Orange County Bancorp's accretion of loans has grown at a -17.8% compound annual growth rate (CAGR), from $5.59M to $2.55M.
What does accretion of loans mean?
Represents the non-cash income recognized from the accretion of discounts on acquired loans. This adjustment reflects the gradual increase in the carrying value of loans toward their par value over the expected life of the instrument.