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Orange County Bancorp OBT Service Charges On Accounts

Service Charges On Accounts at other companies

CNB Financial logo
CNB FinancialCCNE
$2.03M+18.7%
NBT
NBT BancorpNBTB
$5.27M+24.2%
Bank First Corporation logo
Bank First CorporationBFC
$4.69M+133%
Horizon Bancorp logo
Horizon BancorpHBNC
$3.52M+9.9%
Community West Bancshares logo
Community West BancsharesCWBC
$518K+3.2%
Independent Bank Corp logo
Independent Bank CorpINDB
$9.25M+31.1%

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:ServiceChargesOnAccounts.

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 service charges on accounts?
Orange County Bancorp (OBT) reported service charges on accounts of $355K in Q1 2026.
How has Orange County Bancorp's service charges on accounts changed year-over-year?
Orange County Bancorp's service charges on accounts increased by 22.4% year-over-year, from $290K to $355K.
What is the long-term trend for Orange County Bancorp's service charges on accounts?
Over 4 years (2021 to 2025), Orange County Bancorp's service charges on accounts has grown at a 20.9% compound annual growth rate (CAGR), from $638K to $1.36M.
What does service charges on accounts mean?
This captures fee-based revenue generated from deposit account services, such as maintenance fees, overdraft charges, and transaction fees. It represents a non-interest income stream that helps diversify the bank's revenue base beyond interest-earning activities. Consistent growth in this area indicates strong customer engagement and service utilization.