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Orange County Bancorp OBT Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Five

Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Five at other companies

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Customers BancorpCUBI
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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:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.

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 federal home loan bank, advance, maturity, average interest rate, year five?
Orange County Bancorp (OBT) reported federal home loan bank, advance, maturity, average interest rate, year five of 4% in Q4 2025.
What is the long-term trend for Orange County Bancorp's federal home loan bank, advance, maturity, average interest rate, year five?
Over 2 years (2023 to 2025), Orange County Bancorp's federal home loan bank, advance, maturity, average interest rate, year five has grown at a 0.0% compound annual growth rate (CAGR), from 4% to 4%.
What does federal home loan bank, advance, maturity, average interest rate, year five mean?
This metric reflects the average interest rate applicable to FHLB advances maturing in the fifth year of the current planning horizon. It provides insight into the bank's long-term cost of wholesale funding and interest rate risk exposure. Tracking this helps analysts understand the bank's sensitivity to interest rate fluctuations over a multi-year period.