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Time deposits at other companies

M&T Bank logo
M&T BankMTB
$97M-21.8%
Valley National Bank logo
Valley National BankVLY
$106.68M-14.7%
California BanCorp logo
California BanCorpBCAL
$943K-54.3%
International Bancshares logo
International BancsharesIBOC
$24.9M-2.4%

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:InterestExpenseTimeDeposits.

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 time deposits?
Orange County Bancorp (OBT) reported time deposits of $710K in Q1 2026.
How has Orange County Bancorp's time deposits changed year-over-year?
Orange County Bancorp's time deposits decreased by 68.1% year-over-year, from $2.22M to $710K.
What is the long-term trend for Orange County Bancorp's time deposits?
Over 4 years (2021 to 2025), Orange County Bancorp's time deposits has grown at a 87.1% compound annual growth rate (CAGR), from $511K to $6.26M.
What does time deposits mean?
This represents the interest expense incurred on certificates of deposit and other fixed-term deposit accounts. These instruments typically carry higher interest rates than core deposits and are used to manage long-term funding needs. It is a critical metric for assessing the bank's interest rate risk and funding cost structure.