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Orange County Bancorp OBT Banking Regulation Capital Conservation Buffer Common Equity Tier One Risk Based Capital Actual

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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:BankingRegulationCapitalConservationBufferCommonEquityTierOneRiskBasedCapitalActual.

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 common equity tier one risk based capital actual?
Orange County Bancorp (OBT) reported banking regulation capital conservation buffer common equity tier one risk based capital actual of 6.4% in Q1 2026.
How has Orange County Bancorp's banking regulation capital conservation buffer common equity tier one risk based capital actual changed year-over-year?
Orange County Bancorp's banking regulation capital conservation buffer common equity tier one risk based capital actual decreased by 0.0% year-over-year, from 6.4% to 6.4%.
What is the long-term trend for Orange County Bancorp's banking regulation capital conservation buffer common equity tier one risk based capital actual?
Over 5 years (2020 to 2025), Orange County Bancorp's banking regulation capital conservation buffer common equity tier one risk based capital actual has grown at a -60.2% compound annual growth rate (CAGR), from 637.5% to 6.4%.
What does banking regulation capital conservation buffer common equity tier one risk based capital actual mean?
This metric tracks the actual Common Equity Tier 1 (CET1) capital held by the bank that contributes to the capital conservation buffer. This buffer is a mandatory layer of capital designed to absorb losses during periods of economic stress. Monitoring this metric helps investors understand the bank's proximity to regulatory thresholds that could limit capital distributions.