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Orange County Bancorp OBT Banking Regulation Capital Conservation Buffer Capital Conserved Minimum

Banking Regulation Capital Conservation Buffer Capital Conserved Minimum at other companies

Orange County Bancorp logo
Orange County BancorpOBT
2.5%0.0pp
OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.030.0%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$0.030.0%
Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$0.030.0%
Ally Financial logo
Ally FinancialALLY
$0.030.0%
Norwood Financial logo
Norwood FinancialNWFL
2.5%0.0pp

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:BankingRegulationCapitalConservationBufferCapitalConservedMinimum.

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 banking regulation capital conservation buffer capital conserved minimum?
Orange County Bancorp (OBT) reported banking regulation capital conservation buffer capital conserved minimum of 2.5% in Q1 2026.
How has Orange County Bancorp's banking regulation capital conservation buffer capital conserved minimum changed year-over-year?
Orange County Bancorp's banking regulation capital conservation buffer capital conserved minimum decreased by 0.0% year-over-year, from 2.5% to 2.5%.
What is the long-term trend for Orange County Bancorp's banking regulation capital conservation buffer capital conserved minimum?
Over 2 years (2021 to 2025), Orange County Bancorp's banking regulation capital conservation buffer capital conserved minimum has grown at a -80.0% compound annual growth rate (CAGR), from 62.5% to 2.5%.
What does banking regulation capital conservation buffer capital conserved minimum mean?
Measures the minimum amount of capital that must be maintained above regulatory minimums to satisfy the capital conservation buffer requirement. This buffer is designed to ensure banks build up capital during normal times to absorb losses during periods of financial stress. It serves as a critical indicator of a bank's regulatory compliance and resilience.