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Orange County Bancorp OBT Allowance for unfunded lending related commitments

Allowance for unfunded lending related commitments at other companies

Banner Corporation logo
Banner CorporationBANR
$12.9M+5.7%
PNC Financial Services logo
PNC Financial ServicesPNC
$201M+13.6%
ACNB logo
ACNBACNB
$1.82M-3.5%
CVB Financial logo
CVB FinancialCVBF
$500K0.0%
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ACNBACNB
$406K+28.9%
BSR
Sierra BancorpBSRR
$660K-19.5%

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 us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther.

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 allowance for unfunded lending related commitments?
Orange County Bancorp (OBT) reported allowance for unfunded lending related commitments of $115K in Q4 2025.
How has Orange County Bancorp's allowance for unfunded lending related commitments changed year-over-year?
Orange County Bancorp's allowance for unfunded lending related commitments decreased by 16.7% year-over-year, from $138K to $115K.
What is the long-term trend for Orange County Bancorp's allowance for unfunded lending related commitments?
Over 5 years (2020 to 2025), Orange County Bancorp's allowance for unfunded lending related commitments has grown at a 17.2% compound annual growth rate (CAGR), from $52K to $115K.