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Orange County Bancorp OBT Advances from FHLB

Advances from FHLB at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
$4.19M+90.8%
Capital Bancorp logo
Capital BancorpCBNK
$50M+127%
Citizens & Northern logo
Citizens & NorthernCZNC
$139.49M-9.7%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$689.22M+3,324%
M&T Bank logo
M&T BankMTB

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:FederalHomeLoanBankAdvancesLongTerm.

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 advances from FHLB?
Orange County Bancorp (OBT) reported advances from FHLB of $10M in Q4 2025.
What is the long-term trend for Orange County Bancorp's advances from FHLB?
Over 2 years (2023 to 2025), Orange County Bancorp's advances from FHLB has grown at a 0.0% compound annual growth rate (CAGR), from $10M to $10M.
What does advances from FHLB mean?
This metric represents the total outstanding balance of long-term borrowings obtained from the Federal Home Loan Bank (FHLB) system. These advances serve as a critical source of wholesale funding for banks to support asset growth and manage liquidity needs. Investors monitor this to assess the bank's reliance on external institutional funding versus core deposit growth.