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Orange County Bancorp OBT Fdic Assessments Charges

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Segments

By segment

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Banking$160K-51.5%

Other financials

Income statement

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Revenue$27.8M-14.3%
Net income$13.7M+30.6%
EPS (diluted)$1.02+17.2%

Balance sheet

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Cash & equivalents$334.9M+90.7%
Total debt$4.3M+17.6%
Total equity$306.6M+21.4%
Total assets$2.8B+7.4%

Cash flow

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Operating cash flow$12.6M+354%
CapEx$250.0K-65.9%
Free cash flow$12.3M+317%

Valuation

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Market cap$513.39M+62.4%
P/E10.8×+0.1×
P/S4.1×+1.3×

Profitability

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Net margin37.4%+11.7pp
FCF margin51.1%+33.3pp

Returns & leverage

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Return on equity16.9%+3.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept obt:FdicAssessmentsCharges.

The source filing: Orange County Bancorp’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 4:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093345
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Professional fees1,8611,6663,3263,013
Directors’ fees and expenses5353191,157625
Computer software expense1,9592,1173,8384,099
FDIC assessment160330490660
Advertising expenses496481921870
Advisor expenses related to trust income26225044
Telephone expenses274203538410
Intangible amortization7272143143

Item 1. Financial Statements

FAQ

What is Orange County Bancorp's fdic assessments charges?
Orange County Bancorp (OBT) reported fdic assessments charges of $160K in Q2 2026.
How has Orange County Bancorp's fdic assessments charges changed year-over-year?
Orange County Bancorp's fdic assessments charges decreased by 51.5% year-over-year, from $330K to $160K.
What is the long-term trend for Orange County Bancorp's fdic assessments charges?
Over 4 years (2021 to 2025), Orange County Bancorp's fdic assessments charges has grown at a 2.5% compound annual growth rate (CAGR), from $1.2M to $1.32M.
What does fdic assessments charges mean?
Mandatory insurance premiums paid to the Federal Deposit Insurance Corporation to protect customer deposits. These charges are a regulatory cost of doing business and are typically tied to the bank's total deposit base and risk profile.

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