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Orange County Bancorp OBT Excess Tier One Risk Based Capital

Excess Tier One Risk Based Capital at other companies

Camden National logo
Camden NationalCAC
$0.09+9.9%
Community Financial System logo
Community Financial SystemCBU
8.5%0.0pp
Banner Corporation logo
Banner CorporationBANR
$0.060.0%
ESQ
Esquire Financial Holdings, Inc.ESQ
8%0.0pp
WSFS Financial logo
WSFS FinancialWSFS
$0.080.0%
1st Source Corporation logo
1st Source CorporationSRCE
$0.080.0%

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:ExcessTierOneRiskBasedCapital.

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 excess tier one risk based capital?
Orange County Bancorp (OBT) reported excess tier one risk based capital of $155.55M in Q1 2026.
How has Orange County Bancorp's excess tier one risk based capital changed year-over-year?
Orange County Bancorp's excess tier one risk based capital increased by 3.6% year-over-year, from $150.22M to $155.55M.
What is the long-term trend for Orange County Bancorp's excess tier one risk based capital?
Over 5 years (2020 to 2025), Orange County Bancorp's excess tier one risk based capital has grown at a 12.0% compound annual growth rate (CAGR), from $87.81M to $154.47M.
What does excess tier one risk based capital mean?
This metric measures the amount of Tier 1 capital held by the bank in excess of the minimum regulatory risk-based capital requirements. It indicates the institution's financial buffer and capacity to absorb unexpected losses or support future asset growth. A higher excess amount generally reflects a more conservative capital management strategy and greater financial resilience.