Orange County Bancorp OBT Banking Regulation Cumulative Increase In Tier2Risk Based Capital Ratio

Banking Regulation Cumulative Increase In Tier2Risk Based Capital Ratio at other companies

Center BancorpCNOB

2.8%-0.3pp

Community Financial SystemCBU

8.5%0.0pp

ESQ

Esquire Financial Holdings, Inc.ESQ

8.5%0.0pp

Valley National BankVLY

8.5%0.0pp

Camden NationalCAC

12%+1.2pp

Camden NationalCAC

$0.09+9.9%

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 / equity0×0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept obt:BankingRegulationCumulativeIncreaseInTier2RiskBasedCapitalRatio.

The official record: Orange County Bancorp’s 10-K, filed March 16, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Orange County Bancorp's banking regulation cumulative increase in tier2risk based capital ratio?: Orange County Bancorp (OBT) reported banking regulation cumulative increase in tier2risk based capital ratio of 3% in Q4 2025.
What does banking regulation cumulative increase in tier2risk based capital ratio mean?: Represents the cumulative change in the Tier 2 risk-based capital ratio over time. This ratio measures the bank's supplementary capital relative to its risk-weighted assets. A positive trend indicates an improving cushion against potential losses, reflecting prudent capital management and risk mitigation.