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Orange County Bancorp OBT Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

CTB
Community Trust BancorpCTBI
$1.71M+65.6%
Greene County Bancorp logo
Greene County BancorpGCBC
$708K+13.3%
Citizens & Northern logo
Citizens & NorthernCZNC
$515K+12.7%
ACNB logo
ACNBACNB
$737K+27.1%
California BanCorp logo
California BanCorpBCAL
$518K+11.9%
Customers Bancorp logo
Customers BancorpCUBI
$3.08M-33.8%

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 us-gaap:BankOwnedLifeInsuranceIncome.

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 bank owned life insurance income?
Orange County Bancorp (OBT) reported bank owned life insurance income of $192K in Q1 2026.
How has Orange County Bancorp's bank owned life insurance income changed year-over-year?
Orange County Bancorp's bank owned life insurance income decreased by 25.9% year-over-year, from $259K to $192K.
What is the long-term trend for Orange County Bancorp's bank owned life insurance income?
Over 4 years (2021 to 2025), Orange County Bancorp's bank owned life insurance income has grown at a 2.6% compound annual growth rate (CAGR), from $792K to $878K.
What does bank owned life insurance income mean?
Income derived from the cash surrender value growth of life insurance policies held by the bank on the lives of key employees or officers. This serves as a tax-advantaged financial instrument used to offset the costs of employee benefit plans.