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Orange County Bancorp OBT Impaired Financing Receivable Excluding Accrued Interest Individually Evaluated

Impaired Financing Receivable Excluding Accrued Interest Individually Evaluated at other companies

Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$4.53M-38.7%
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
$59.3M-39.0%
NEC
Northeast Community BancorpNECB
0
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$642K-35.9%
BK
BKBK
$43M-84.6%
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
$59.32M-39.0%

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 obt:ImpairedFinancingReceivableExcludingAccruedInterestIndividuallyEvaluated.

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 impaired financing receivable excluding accrued interest individually evaluated?
Orange County Bancorp (OBT) reported impaired financing receivable excluding accrued interest individually evaluated of $66.41M in Q1 2026.
How has Orange County Bancorp's impaired financing receivable excluding accrued interest individually evaluated changed year-over-year?
Orange County Bancorp's impaired financing receivable excluding accrued interest individually evaluated increased by 48.8% year-over-year, from $44.62M to $66.41M.
What is the long-term trend for Orange County Bancorp's impaired financing receivable excluding accrued interest individually evaluated?
Over 2 years (2023 to 2025), Orange County Bancorp's impaired financing receivable excluding accrued interest individually evaluated has grown at a 60.1% compound annual growth rate (CAGR), from $23.1M to $59.22M.
What does impaired financing receivable excluding accrued interest individually evaluated mean?
This represents the total outstanding balance of financing receivables that have been individually evaluated and identified as impaired, excluding accrued interest. It identifies specific high-risk loans that require individual monitoring due to potential collection issues. Investors use this to evaluate the bank's exposure to significant credit events within its loan book.