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Orange County Bancorp OBT Callable FHLB advances interest rate

Callable FHLB advances interest rate at other companies

Orange County Bancorp logo
Orange County BancorpOBT
4.7%-1.0pp
Home Bancorp logo
Home BancorpHBCP
0%
Heritage Financial logo
Heritage FinancialHFWA
416%+411pp
Associated Banc-Corp logo
Associated Banc-CorpASB
$31.57M+96.2%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
4%-0.6pp
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
3.7%-0.2pp

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:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd.

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 callable FHLB advances interest rate?
Orange County Bancorp (OBT) reported callable FHLB advances interest rate of 4.7% in Q4 2024.
What is the long-term trend for Orange County Bancorp's callable FHLB advances interest rate?
Over 2 years (2022 to 2024), Orange County Bancorp's callable FHLB advances interest rate has grown at a 0.9% compound annual growth rate (CAGR), from 4.6% to 4.7%.
What does callable FHLB advances interest rate mean?
This metric tracks the specific interest rates associated with callable advances from the Federal Home Loan Bank. Callable features allow the bank to manage interest rate risk by providing the option to prepay debt under certain conditions. Understanding these rates is essential for evaluating the cost of wholesale funding and the bank's interest rate sensitivity profile.